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SBA Loans

Personalized Service, Expedited Loan Processing

As a National Preferred Lender for SBA, NCB has the experience and reliability to identify and customize the best finance package to fit your business needs and streamline the process.

Fulshear Ace Grand Opening

7(a) General Loan Program

  • Loan Amount: Up to $5,000,000
  • Term* loans up to 25 years
  • Financing for leasehold improvements, real estate purchases, business acquisitions, working capital or refinancing debt
  • Limited loan covenants
  • No balloon payments

*Blended term for loans with multiple uses, based on use of loan proceeds.

504 Loan Program

  • Loan Amount: Up to $5,000,000
  • Term loans of 10 years with 25 year amortization
  • Financing for fixed assets including real estate, improvements, construction, renovation and long term equipment purchases
  • Low equity injections - usually 10% to 20% down payment
  • Permissible debt refinancing when involves business expansion

Equity Injection Range

  • New Operator
    Start Up Leasehold 15-20%
    Start Up Real Estate 10-20%
  • Current Operator
    Expansion Leasehold 10%
    Expansion Real Estate 10%

Minimum Criteria

  • Direct industry or related experience
  • FICO>680
  • No bankruptcy in the past 7 years
  • No unsatisfied judgements
  • Personal Guarantee, owners with >20% ownership
  • Must meet equity contribution guidelines

We Serve the Basic Ingredients of Sustainable Communities

  • Alaska & Native

    Banking Solutions for Alaska Business and Native Corporations

  • Co-op Housing & HOA

    Banking Solutions for Housing Communities and Property Management Companies

  • Credit Unions

    Cooperative solutions for Credit Unions, Leagues and CUSOs

  • Energy

    Providing innovative renewable energy financing programs

  • Food

    Banking solutions for food co-ops and independent grocery retailers

  • Health Care

    Banking solutions for Senior Living, Aging services and Health Care

  • Non-Profit

    Banking solutions for non-profits and socially responsible organizations

  • Small Business

    Banking solutions for independent retailers, purchasing co-ops and worker-owned co-ops.

co op housing with solar panels

Have questions about our SBA loan programs?

One of our banking specialists can guide you through the process.

Speak with a business banking specialist