SBA Lending

David Jackson, National SBA Director

David Jackson, National SBA Director, discusses SBA loan options and the distinct advantages of SBA financing for small businesses over traditional financing options.

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How Long Will it Take to Repay My Loan?


What is the SBA?

The U.S. Small Business Administration (SBA) is an independent agency of the Executive branch of the Federal Government. Its responsibility is to provide four primary areas of assistance to American small business - one of which is small business lending. The SBA sets the guidelines for lending, while SBA partners, like Fifth Third Bank, offer financing to small businesses.

SBA Financing

When your small business needs financing, consider an SBA loan or line of credit. SBA financing offers distinct advantages designed to assist small businesses in accessing the capital they need to grow. Benefits of SBA financing versus conventional financing options include:

  • Up to 25 year terms, with no balloon payments
  • Fixed or variable interest rates up to 25 years
  • As little as 10% down payment on commercial real estate
  • Loan closing costs may be financed1
  • A Fifth Third Bank SBA Specialist can help you complete your SBA loan application

Several SBA financing options are available to meet different business needs:
Download [.pdf]

SBA 7(a) Loans SBA Express SBA 504 Loans SBA Exporting
Loans		 CAPLines Program

Loan limit up to $5,000,000

Loan proceeds may be used for commercial real estate expansion/new construction, working capital, equipment purchase, refinancing existing debt, or exporting

Term loan or line of credit

Loan limit up to $350,000

Similar to 7(a) loan, but simpler application process and faster approval

SBA Patriot Express
Designed for veterans and members of the military community2 that want to establish or expand small businesses

Current spouses or widowed spouses of a service member or veteran may also be eligible to participate

Limit up to $500,000

Loan limits from $125,000 to over $10,000,000

Designed to help small businesses acquire fixed assets, such as commercial real estate or equipment

Provides affordable, long-term financing through certified development companies (CDCs) in cooperation with Fifth Third Bank

Borrower pays as little as 10% down payment on the purchase of commercial real estate and equipment

Includes job creation requirement3

Unique SBA loans are available to businesses who want to begin or expand exporting into international markets. These loans can also help you be more competitive if you are adversely affected by import competition.

SBA Export Express
Benefits businesses that have been in operation for at least 12 months and can demonstrate that loan proceeds will support export development activity.

Loans under this program can be term loans or revolving lines of credit up to $500,000

SBA International Trade Loan
Provides small businesses with financing options to support export transactions and help them enter and expand into international markets.

This loan program offers a combination of fixed asset, working capital and debt financing options with a maximum amount of $5,000,000

This program offers small businesses a revolving line of credit that aids in addressing short-term and cyclical working capital needs.
Line of credit up to $5,000,000 available.
Download [.pdf]

Who qualifies for SBA?4

The SBA has specific criteria for businesses to qualify for SBA financing:

  • The business must operate for-profit
  • The business must operate in the United States or its possessions
  • The business cannot have more than $15,000,000 in maximum tangible net worth and a 2-year average net income after Federal income tax of $5,000,000
  • The business must show that the loan can be repaid from existing cash flow

To apply for an SBA line of credit or loan, visit a Fifth Third Banking Center or contact us at 1-866-531-4249.

Lending subject to credit review and approval.

 Fees & Disclosures

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