GROW YOUR BUSINESS

Small Business Administration (SBA) Loans

Benefit from easier qualification, better and longer terms and lower down payments on fixed assets than most standard loans.

Loan Amount
Up to $5 million
Financing Terms
Up to 25 Years on commercial real estate loans
Qualifications
  • Up to 100% Loan-to-Value for commercial real estate
  • Up to 90% Loan-to-Value for non-real estate

    • Get Started

    Disclosure: *Loan conditions are based upon credit approval.

    Qualifications

    You own and operate a for‑profit business
    Your business is legally organized as a sole proprietorship, corporation, partnership or LLC
    Minimum 2 years in business under existing ownership

    SBA loans can be used for:

    • Commercial Real Estate purchase or improvements
    • Ground-up construction
    • Business acquisition or expansion
    • Equipment purchase
    • Business transition/Partner buy-out

    Borrower benefits include:

    • High leverage with minimal cash investment
    • Long terms to minimize debt service
    • Flexible underwriting requirements
    • Can finance multiple uses (business acquisitions, equipment and real estate) with a single loan

    Getting Started is Easy

    Speak with Banker
    Discuss your lending needs & financing options
    Get Credit Decision
    Fast, local decision-making
    Access Funds
    Upon approval, we’ll work with you to quickly access financing

    Get Started Now

    Navigate Our Business & Commercial Loans

    We have the financial products you need to start or grow your business.

     
    Commercial Real Estate & Construction Loans
    Business Line of Credit
    Dental Practice Loans
    SBA Loans
    Veterinary Practice Loans
    Medical Practice Loans
    Firstrust Bank is a SBA Preferred Lender Program (PLP) participant, with all the experience and credentials to guide you from assessing eligibility, to application and closing.

    Talk to one of our small business specialists by phone or in person to get a recommendation and start your application.
    The SBA is a federal agency that helps established businesses grow. As a borrower, you’re not borrowing from the SBA, you’re borrowing from a financial institution like Firstrust Bank that works with the SBA to provide loans to small business customers.

    Understanding SBA Loans: What to know before applying.

    The SBA (Small Business Administration) backs loans, they don’t lend money. This means the SBA doesn’t make direct loans to business owners to start or grow a business. Instead, it provides a guarantee to banks and lenders for the money they lend to small businesses owners.

    The SBA backed loans have strict eligibility requirements. Here are four to consider: the business must be registered as a business, it must be physically located and operate in the U.S. or its territories, the business owner must have invested their own time or money into the business and the business cannot get funds from any other financial lender.

    Recent Firstrust Bank SBA Loans

    $5 million Commercial Real Estate Term LoanDay Care Center Philadelphia County
    $1 million Business Acquisition Franchise Lancaster, PA
    $650,000 Veterinary Practice Real Estate Loan Veterinary Practice Lehigh County

    Firstrust Bank. Business Edge.

    Get fast, local decision-making from the Philadelphia region’s largest family-owned bank



    Work with an experienced relationship manager that will be assigned directly to you



    Access our full service loan, deposit, cash management and online banking products and services

    Here's What Our Business Customers Say About Us

    "I reached out to Firstrust with the goal of acquiring a Business Line of Credit, and of course at a great rate. I was able to do just that with the assistance of the friendly and knowledgeable employees of the bank. I let the employee know what I needed to accomplish my stated goal and within a week or two it was accomplished. I'm truly grateful for the help of people at Firstrust Bank" — James T., CUSTOMER, 3 YEARS
    "I have banked with Firstrust for the past 5 years. Their insight and foresight allows me to make the best business decisions for my company. I recommend Firstrust to all of my business affiliates." — Ellen B., CUSTOMER, 3 YEARS
    "Firstrust is always the first that I go to for commercial mortgages. Their lender is experienced, knowledgeable, and ... she understands my needs, answers my questions, even when they are unrelated to our loans, and helps me grow my real estate investment portfolio. I recommend her to all of my friends in the real estate investor chat group." — Nancy W., CUSTOMER, 3 YEARS

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