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SBA Loan Programs

Loans proceeds can be used for:

  • Debt refinance
  • Business acquisitions
  • Franchise start-up
  • Machinery and equipment
  • Commercial real estate

Borrowing amount:

  • Total financing from $100,000 to $10,000,000
  • Up to 90% financing
  • Up to 100% financing for medical industry loans
  • Fixed-rate terms available
  • Fully amortized, no balloons

Loan programs offered:

  • SBA 7(a)
  • SBA Small Loan Advantage
  • SBA 504
  • USDA Business and Industrial (B & I)

Benefits of working with Fidelity Bank:

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

Resource Videos


Learn more about SBA Loans and find the best solutions for you and your business.

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Joseph Flumian, SBA Business Development Officer

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. As an SBA Preferred Lender, Fidelity Bank can approve most loan requests on behalf of the SBA, which means a faster turnaround time for loan funding.

Joseph Flumian

Joseph (Joe) Flumian

SBA Business Development Officer

O: (980) 475-4846

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Joseph (Joe) Flumian is an SBA Business Development Officer specializing in healthcare lending. Joe understands the unique requirements of the healthcare industry with over 17 years as a lender and an additional 20 years experience in medical/dental manufacturing, commercial real estate, development, and construction. Additionally, he has personally obtained an SBA loan for a franchise he owned and operated which gives him exceptional insight from a customer's perspective. He attended the University of California San Diego where he graduated with a double major in Urban Studies and Sociology. He received his Masters in Public Administration from San Diego State University. Joe resides in Charlotte, North Carolina.

Contact Joe by phone or email for more information and to get started.