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SBA Lending

SBA lending solutions for your small business

SBA and Guaranteed Lending

First Foundation Bank is a preferred SBA lender offering lending solutions to businesses that need more than what traditional bank financing requires.

Business types:

Including but not limited to dental, veterinarians, medical, retail, storage, automotive, preschools, manufacturing, gas stations, hospitality, distribution, service-based, private schools, and franchises.

Property types:

Including but not limited to warehouse, industrial, storage, office, office-condos, gas stations, industrial, hotels, liquor stores, retail, automotive, and mixed-use.

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SBA Loan Products Offered

SBA 7a

This flexible, general-purpose loan can be used for, but not limited to, owner-occupied commercial real estate, equipment, inventory, working capital, debt refinance, business acquisitions, partner buy-outs, and business expansion. Allows for franchised and non-franchised businesses. Loan amounts up to $5,000,000.

SBA 504

This loan offers long term fixed rates for the purchase and/or refinance of owner-occupied commercial real estate and/or equipment. Up to 90% loan-to-value is standard on non-special purpose properties. The SBA 504 loan also allows for the refinancing of an existing SBA 7a loan which was originally used for commercial real estate.

SBA Express

This loan offers an interest only period, typically for two years, and then amortizes as a term loan for up to 8 years. Compared to an SBA 7a loan, the SBA Express loan is a better fit for a company that needs a revolving line of credit as opposed to permanent working capital. Loan amounts up to $500,000.

California State Loan Guaranty Program

This loan is meant to meet the needs of small businesses and offers many of the advantages of an SBA loan but may also be used for nonprofits and businesses that have exceeded the amount of SBA eligibility. Loan amounts up to $3,125,000.

Are you a small business owner looking for a loan?

Our lending team can help.

Speak to a Lender

Benefits of an SBA Loan

Longer Terms

SBA loans can offer up to a 10-year term/amortization on loan proceeds used for partner buyouts, working capital, business acquisitions, inventory purchases, and debt refinancing. SBA loans may also offer up to a 25-year term/amortization on the useful life of equipment and 25 years on real estate.

Lower Down Payment

Typical down payment on commercial real estate is 10-15%, whereas business acquisitions/partner buyouts range from 5-20%.

Loan Purposes

SBA loans can be used for a wide variety of purposes, including equipment purchases, working capital, business purchases, partner buyouts, owner occupied real estate purchase/refinance, debt refinance, credit card refinance, inventory purchases, and property improvements.

More Flexible Credit Box

Applicants typically gravitate to an SBA for its lower down payment and/or longer terms but it also provides a solution to those that don't qualify for a conventional loan due to property type, personal credit history, and global cashflow.

Property Types

SBA loans provide the flexibility to lend on a wide variety of property types.

Closed Business*

$4,978,000 Business Acquisition

SBA 7a, 10 Years Fully Amortized, Secured by a UCC-1 & Life Insurance, 11.5% Borrower Injection, Sub-Contractor

$478,000 Working Capital

SBA 7a, Secured by a UCC-1 Filing, Used for Payroll, FF&E, Restaurant

$817,000 Commercial Real Estate Purchase

SBA 7a, 25 Years Fully Amortized, 15% Borrower Injection, Bakery

$1,076,000 Equipment Purchase

SBA 7a, 10 Years Fully Amortized, 5% Borrower Injection, Progress Payments Over 90 Days, Manufacturer

$778,000 Business Acquisition

SBA 7a, 10 Years Fully Amortized, 5% Borrower Injection, 5% Seller-Carry, Service-Based

$330,000 Book of Business Purchase

SBA 7a, Projection-Based, 7% Borrower Injection, Insurance Agency

$500,000 Working Capital

SBA Express, Real Estate Secured, 10 Year Term with 2 Years Interest Only, Electrical Sub-Contractor

$760,000 Commercial Real Estate Purchase

SBA 504, 5 Year Fixed Rate, Broker/Agent Referred, Drywall Contractor

*The above closed business loans/lines are examples only and the outcome for every loan application may vary depending on the applicants' specific circumstances.