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SBA Lending

At Fidelity Bank, we have a passion for finding financing solutions for small businesses. In addition, we understand that small business plays a vital role in the overall U.S. economy. Our Small Business Administration (SBA) lending team is dedicated to continuing to foster that growth. SBA loans are guaranteed by the U.S. Small Business Administration and offer longer terms and lower down payments than conventional loans.¹

Fidelity Bank is recognized as a Preferred Lender by the U.S. Small Business Administration (SBA). As a Preferred Lender, we can approve most loan requests on behalf of the SBA, which means a faster turnaround time for loan fundings.

A few types of loan requests that can be funded:

• Debt refinance
• Business acquisitions
• Franchise
• Machinery and equipment
• Commercial real estate
• Limited service hotel acquisition

Borrowing amount:

• Total financing from $100,000 to $5,000,000
• Up to 90% financing
• Fixed-rate terms available
• Fully amortized, no balloons

Loan programs offered:

• Certified Development Company/504
• 7(a) and 7(a) pari passu
• Certified Development Company/504 – 7(a) combination
• USDA Guaranty Loan Program

Benefits of working with Fidelity Bank:

• Team of professional and experienced SBA lenders
• Extensive lender and lender-partner network
• Preferred lender status
• Insurance services available

Getting Started:

To find out if your business may qualify for an SBA loan, we will need the following:

• Business Profile — document describing type of business, annual sales, number of employees, length of time in business and ownership.
• Loan Request — description of how loan funds will be used. Should include purpose, amount and type of loan.
• Collateral — description of collateral offered to secure the loan, including equity in the business, borrowed funds and available cash.
• Business Financial Statements — complete business tax returns for the past three years and current interim financial statements.
• Personal Financial Statements — past three years’ tax returns and statements from any owners, partners, officers and stockholders owning 20% or more of the business.

If you have any questions about your paperwork, one of our SBA lenders will be glad to answer any questions you have. We want to work with you and help your business with its financing needs. To find out more, please contact us to learn how you can put the resources of the Fidelity Bank SBA Lending Division to work for you.

SBA 504 Certified Development Company Loan Program
Long-term, fixed-rate financing for a fixed asset.

SBA 504 loans are the flexible way to finance a long-term building or equipment acquisition project of $500,000 to $10 million. Businesses can often buy property with a lower down payment and repay the loan over terms as long as 20 years. For more information please visit www.sba.gov.

SBA 7(a) Loan Guaranty Program
The most widely used SBA loan.

SBA 7(a) loans are often used for working capital, business expansion or acquisition, and purchase of inventory, equipment, or owner-occupied real estate. We offer loan amounts of $50,000 up to $2 million. Eligibility requirements and credit criteria are very flexible, allowing nearly all small businesses to qualify. Primary considerations are the business’s ability to repay the loan from cash flow and the owner's good credit rating. For more information please visit www.sba.gov.

USDA Guaranty Loan Program

The USDA’s Business and Industry Loan Guarantee Program’s (B & I) primary purpose is to create and maintain employment and improve the economic and environmental climate in rural communities. Loan amounts start at $500,000. Loan guarantees are limited to a maximum of $10 million per borrower.

To find out more about any of the SBA lending options listed above, please speak with one of our lenders today. They are ready to help you with a lending solution that is tailored just for you. To get started, contact us at 404.248.LION (5466) or toll free at 888.248.LION (5466) or send us an email at sbainfo@lionbank.com

1. Loans and lines of credit are subject to credit and underwriting approval.