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Small Business Financing

Renee Howard's picture

Navigating the loan application process can be daunting for any small business – especially the first time!

We are here to help.

As a preferred SBA lender, American Riviera Bank has small business loan experts on hand to walk you through the process. Before you dive into the application process though, let’s talk about the difference between the Small Business Administration loan types.

There are two basic products: 504 loans and 7(a) loans.

SBA 504 Financing:

The United States Small Business Administration (SBA) 504 Loan Program provides fixed-asset financing (real estate and equipment subject to qualifications) to assist business owners in expanding their businesses.  The SBA 504 Program is a partnership program between a Certified Development Company (CDC) and American Riviera Bank. 

American Riviera Bank works in conjunction with a CDC to take advantage of the 504 program to provide up to a $5million loan amount, 25 year term and 90% financing on Owner-Occupied commercial property refinancing, purchases and new construction with fixed interest rate pricing.   Terms on equipment pricing are dependent on the useful life.

Eligible SBA 504 Financing:

  • Purchase of land and buildings
  • Building expansion and remodeling
  • New construction
  • Machinery and equipment (long useful life)
  • Soft costs
SBA 7(a) Financing:

The United States Small Business Administration SBA 7(a) Loan Program offers a 75% to 85% guaranteed backing to American Rivera Bank.  The guaranteed backing allows participating banks to provide financing to small businesses with weaknesses in their loan application that would otherwise not qualify them for traditional financing.    

Maximum loan amounts go up to $5 million and the variable interest rates depend on the risk of the business, however, are capped and cannot exceed the SBA maximum allowed.  25 year terms are offered on Commercial Real Estate purchases and refinances and 5 to 10 years on all other eligible financing depending on the company’s cash flow ability.    

American Riviera Bank is a Preferred Lending Partner (PLP) with the Small Business Administration meaning the bank has demonstrated a proficiency in processing and servicing SBA-guaranteed loans and does not require additional approvals from the SBA.

Loan pricing on SBA 7(a) loans and 504 loans is competitive.  You should consult with an SBA Loan Officer to help determine your lending needs.

Eligible SBA 7(a) financing:

  • Purchasing Owner Occupied Commercial Real Estate with a low down payment (10% to 15%)
  • Expansion/Renovation of Owner Occupied Commercial Real Estate
  • Completing Tenant Improvements 
  • Purchasing Equipment, Fixtures and Inventory
  • Acquiring a Business
  • Refinancing Business  Debt
  • Providing Working Capital
  • Accessing Revolving Lines of Credit
  • Starting a Business

If one of these two options sounds right for your business, give us a call. We’ll walk you through the process step-by-step.