If your business is ready for growth, a Small Business Administration (SBA) loan may be exactly what you need.

CenterState Bank specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program. CenterState has an experienced team of commercial lenders who understand the needs of today’s small business. All loan products are subject to credit approval.

SBA 7(a) Loans from $250,000 up to $5 Million

CenterState Bank specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program.

Differences for SBA and Conventional loans: Lower down payment, longer amortization/lower monthly payments, no balloon payments.

Use of Funds

  • Real estate purchase as low as 10% down
  • Construction, refinance or improvements
  • Majority of space (more than 51%) must be owner-occupied
  • Business acquisition
  • Equipment acquisition
  • Permanent working capital
  • Expansion financing or debt consolidation

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

Meet Our SBA Bankers

Mark Bryant

SVP/Dir. of Government Lending

Atlanta, GA

Carlos Calero Cobo

VP/SBA Relationship Manager

Homestead, FL

Tim Dollins

VP/SBA Relationship Manager

Birmingham, AL

Leah Douglas

VP/SBA Relationship Manager

Jordan Hallam

FVP/ SBA Relationship Manager

Sarasota, FL

Marshall Harris

VP/SBA Relationship Manager

Orlando, FL

Laura Petty Kepley

VP/SBA Relationship Manager

Wilmington, NC

Kameron Knowlton

VP/SBA Relationship Manager

Jacksonville, FL

Ellie M. McIntire

VP/SBA Relationship Manager

Charlotte, NC

Leigh Milton

SVP/SBA Relationship Manager

Atlanta, GA

Mark Schulte

VP/SBA Relationship Manager

Jeffrey Tanner

VP/SBA Relationship Manager

Mid-West Florida

Claudia Wilson

VP/SBA Relationship Manager

Atlanta, GA