Small Business Administration Loans
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SBA loans1 create opportunity for those ready to move their business forward.
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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.

SBA 7(a) Loans from $250,000 up to $5 Million
Use of Funds:
- Acquire an Existing Business, including Goodwill
- Start a Business or Franchise
- Purchase or Construct Commercial Real Estate
- Refinance Existing Debt
- Purchase Equipment and Machinery
- Provide Working Capital
- Construct Leasehold Improvements
- Purchase Inventory
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
- Funding as fast as 30 days
- Loan commitments typically in 10 business days after receipt of completed application on most transactions
Other
- Minimum loan amount should be $250,000
- Cash Flow should be a historic 1.15 on most loans, we will factor in projections

Which SBA Loan Works For You?
Compare SBA Loan OptionsWhat is a Small Business Administration (SBA) Loan?
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.
Is SouthState an SBA Preferred Lender?
Yes, SouthState is an SBA Preferred Lender serving businesses in Georgia, North Carolina, South Carolina and Virginia.
What’s the difference between an SBA loan and another type of small business loan provided by SouthState?
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Important Legal Disclosures and Information
- All loans are subject to credit approval.