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South State Bank
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Small Business Administration Loans

Start or Expand Your Business Today

SBA loans1 create opportunity for those ready to move their business forward.

Move Your Business Forward with an SBA Loan

SouthState specializes in providing long-term financing through the U.S. Small Business Administration (SBA) loan guarantee program. Our experienced team of SBA lenders understands the needs of today’s small business and can help you navigate the loan process every step of the way.

business owner managing finances on phone

SBA 7(a) loans from $350,000 up to $5 Million

An SBA loan offers the flexibility you may not be able to find with other traditional small business loans. Borrowers typically receive longer terms and lower payments.

Use of Funds:
  • Business acquisitions
  • Startups
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital
  • Leasehold Improvements
Purchase Equipment

SBA 504 Loans

Are you ready to expand your business? Or maybe you need to purchase new equipment? With advantages like a low down payment, a 504 SBA loan from SouthState can help keep your business moving forward.

Use of Funds:
  • Purchase or Improve Commercial Real Estate
  • Ground Up Construction
  • Purchase Equipment
woman speaking with a small business banker

USDA Loans from $500,000 to $10,000,000

Help rural America thrive with a USDA loan from SouthState. Backed by the United States Department of Agriculture, our lenders work with you to keep your business moving forward.

Use of funds:
  • Business acquisitions
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital

SBA 7(a) loans from $350,000 up to $5 Million

An SBA loan offers the flexibility you may not be able to find with other traditional small business loans. Borrowers typically receive longer terms and lower payments.

Use of Funds:
  • Business acquisitions
  • Startups
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital
  • Leasehold Improvements

SBA 504 Loans

Are you ready to expand your business? Or maybe you need to purchase new equipment? With advantages like a low down payment, a 504 SBA loan from SouthState can help keep your business moving forward.

Use of Funds:
  • Purchase or Improve Commercial Real Estate
  • Ground Up Construction
  • Purchase Equipment

USDA Loans from $500,000 to $10,000,000

Help rural America thrive with a USDA loan from SouthState. Backed by the United States Department of Agriculture, our lenders work with you to keep your business moving forward.

Use of funds:
  • Business acquisitions
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital
Consider the benefits of a flexible SBA Loan

Consider the benefits of a flexible SBA Loan

Interest Rates and SBA Fee

  • Variable rates tied to Prime
  • SBA guarantee fee (can be financed in most circumstances)

Timing

  • Loan prequalified within 48 hours
  • Loan commitments typically in 10 business days after receipt of completed application on most transactions

Other

  • Minimum loan amount should be $350,000
Icon image for Which SBA Loan Works For You?

Which SBA Loan Works For You?

Compare SBA Loan Options
Frequently Asked Questions

Frequently Asked Questions

A SBA loan is a loan that is guaranteed by the U.S. Small Business Administration. While the SBA doesn’t provide the actual loan they do provide the guidelines lending institutions must follow to make it easier for small businesses to get loans.

Yes, SouthState is an SBA Preferred Lender serving businesses in Georgia, North Carolina, South Carolina, Florida and Virginia.

 

An SBA loan may have longer term limits and lower payments than other loans offered by SouthState; it is, however, dependent upon your qualifications.

Stories and Insights


  1. All loans are subject to credit approval.

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