Small Business Administration | Firstrust Bank

Small Business Administration

The Bank for
SBA Loans

Our SBA department works to quickly identify the right SBA program to fit your needs and works directly with you from application to close.

We Offer:

  • High leverage with minimal cash investment
  • Long terms to minimize debt service
  • Flexible underwriting requirements
  • Competitive rates
  • Quick credit decisions

Business
Loans -SBA 7A
Up to $5 Million

These loans enable you to acquire a business or equipment, refinance debt, obtain inventory and working capital as well as start or acquire a franchise business.


Business Acquisition

  • Up to 80% LTV financing (10% cash down and 10% seller carry)
  • Up to 10 years fully amortized and longer to qualified projects*

Equipment Acquisition

  • Up to 100% LTV financing
  • Up to 15 years fully amortized

Debt Refinance

  • Up to 25 years fully amortized with
    real estate
  • Up to 10 years fully amortized for non-real estate

Inventory and Working Capital

  • Up to 10 years fully amortized

Real Estate
Loans -SBA 7A
Up to $5 Million

These loans enable you to purchase, refinance, construct or renovate owner-user commercial real estate.


  • Up to 90% LTV financing
  • Up to 25 years fully amortized
  • Owner-user to occupy at least 51% of existing building and 67% of new construction

USDA B&I
Up to $10 Million

These loans are for real estate acquisition or expansion; purchase of a business, machinery, equipment, furniture or fixtures; and for working capital.


  • Up to 90% LTV financing
  • Up to 30 years fully amortized for
    real estate
  • Up to 15 years fully amortized
    for equipment
  • Owner-user occupied and some investment real estate
  • For most cities with populations
    under 50,000

Disclosures

*Some businesses loans may qualify for longer terms.

We're here to help!

Contact one of our SBA Specialist to discuss your small business needs.

SBA Application Tool Kit

After a SBA Specialist has contacted you regarding your Online Inquiry, complete and submit the Loan Application along with SBA form 912 and 413.

Call 800-220-BANK
Mon-Fri: 8am-6pm - Sat: 9am-1pm

Recent Business Lending

  1. 25 Year Term: Business Acquisition/Refinance

    $1,800,000

    Food Market
    (100% Financing)
    York County, PA
  2. 25 Year Term: Debt Refinance

    $1,310,000

    Daycare Provider
    (80% Financing)
    Montgomery County, PA
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