SBA Loans


Flexible business loans to help your business grow and thrive.

Business loans designed to move you forward.

At Luminate Bank, we believe your business deserves the resources and flexibility to grow, adapt, and succeed even when cash flow isn’t predictable. Our SBA Loans offer affordable, flexible financing to help you take the next step, whether that means expanding your business, buying equipment, or simply smoothing out your cash flow.


With options tailored to your needs and a team that understands your goals, we’ll help you access the capital you need to keep moving forward.

Business checking accounts that fit your business.

Why choose Luminate Bank for your SBA Loan?

When it comes to business loans, we’re more than just a lender, we’re your partner. Our business banking team takes time to understand your goals, walk you through the SBA process, and help you choose the best loan for your needs.


We’ll guide you every step of the way so you can feel confident making the right choice for your business.

SBA Express

Need fast access to capital? The SBA Express loan offers accelerated turnaround times for SBA review, helping you get the working capital you need quickly. This is the ideal choice if your business needs capital now to pursue new opportunities or cover uneven cash flow.

  • Flexible financing up to $350,000
  • Use funds as term loans or lines of credit
  • Great for working capital and business growth
  • Quick decisions so you can keep your plans on track

SBA 7(a) Loans

The SBA 7(a) is the most popular small business loan, and for good reason. It’s a low-cost, long-term loan that gives you flexibility and predictable payments to make big moves for your business.

  • Long-term financing with amortizations up to 10 years
  • Use funds for acquisitions, equipment purchases, or commercial real estate
  • Affordable monthly payments to help manage your budget
  • Perfect for long-term growth and investment

SBA 504 Loans

The SBA 504 loan is designed for businesses investing in fixed assets, with longer terms and fixed rates to keep costs predictable. When you’re ready to make a lasting investment in your business, the SBA 504 loan can help you make it happen.

  • Financing for equipment or real estate purchases
  • Amortizations of 10, 20, or 25 years
  • Fixed rates available on the SBA portion of the loan
  • Ideal for business owners ready to own their space or upgrade equipment

*Approval required.

Ready to get started?

Approval is required for all SBA Loans, and we’re here to help you through the application process. Reach out to our business lending team today and see how Luminate Bank can help your business take the next big step.

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