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 resources and flexibility to grow, adapt, and succeed,even when cash flow isn’t predictable. Our SBA Loans offer affordable, accessible financing to help you take the next step, whether that means expanding your business, purchasing equipment, or acquiring real estate.


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 loans 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 experienced business banking team takes the time to understand your goals, walk you through the SBA process, and help you choose the best program 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 working capital? The SBA Express loan offers accelerated turnaround times, helping you get funding quickly to keep your business plans on track.

  • Financing up to $350,000
  • Term loans or lines of credit
  • Ideal for working capital, business growth, or cash flow gaps
  • Faster decisions compared to standard SBA loans

SBA 7(a) Loans

The SBA 7(a) program is the most popular SBA loan for good reason. It’s flexible and has long-term financing that supports a wide variety of business needs.

  • Loan amounts up to $6.25 million
  • Terms up to 25 years
  • Use for acquisitions, equipment, construction, or owner-occupied real estate
  • Advance rates up to 90% (property type dependent)

SBA 504 Loans

The SBA 504 program provides fixed-rate, long-term financing to purchase owner-occupied commercial real estate. This program is perfect for businesses ready to invest in their future space.

  • Finance up to 90% of eligible property costs
  • Terms up to 25 years with fixed-rate options
  • Use for commercial real estate purchases or refinancing
  • Minimum 51% occupancy requirement
  • Not available for startups; minimum 2 years in business

*Approval required.

Benefits & Eligibility of SBA Financing

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Low Down Payments

Finance your business goals with as little as 10% down.

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Competitive Rates

Enjoy affordable interest rates and flexible repayment options.

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Long Loan Terms

Repay over terms up to 25 years for predictable budgeting.

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Construction & Expansion Options

Use funds for building new facilities, expanding operations, or purchasing equipment.

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Supports Growth for Newer Businesses

Projected cash flow can be considered for qualifying newer businesses.

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Preserve Working Capital

Keep more cash on hand to invest in your day-to-day operations.

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Ownership Requirements

All owners with 20% or more ownership must be U.S. citizens or legal permanent residents and personally guarantee the loan.

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Property Occupancy Rules

Owner-occupied properties must have at least 51% occupancy (61% for new construction).

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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