Valley Bank is a top SBA lender and we're here to help you


Valley's team of SBA professionals can help you find the right SBA loan for your business, whether it's the SBA 7(a) Loan Program, or the 504 Loan Program.


SBA 7(a) Loan Program

The SBA 7(a) loan program can be used for leasehold improvements; new business acquisitions; real estate, expansions or start-ups; equipment or inventory; working capital; or refinancing existing debt. There are other scenarios and uses that would also qualify for an SBA 7(a) loan. 


Borrow Amount: Up to $5 Million




Why choose an SBA 7(a) Loan?  Why choose an SBA 7(a) Loan?

  • Broad eligibility – Most small businesses incorporated for profit within the United States are eligible.

  • SBA guarantee program – With the 7a program the SBA offers either an 85% or 75% guarantee, giving customers access to capital, that they might not otherwise be able to obtain.

  • More flexible – Often with longer fully amortizing repayment terms and lower down payments than conventional bank loans.

  • No prepayment fees – For loans with repayment terms less than 15 years.




SBA 504 Loan Program

For owner occupied commercial real estate and equipment, the SBA 504 loan program features long term fixed rates and a lower down payment than conventional loans. 


Borrow Amount: Up to $15 Million




Why choose an SBA 504 Loan?  Why choose an SBA 504 Loan?

  • Low down payments – as little as 10% of the total project cost

  • Longer repayment terms – up to 25 years depending on use of funds

  • Competitive rates – The borrower is also able to fix the rate for a longer term. Rates are generally below conventional options. 


Additional resources you may be interested in:


SBA FAQsDo you have questions or don't know where to begin? Check out our FAQs.

SBA Resource Center     
SBA  Resource CenterLooking for more information on SBA 7(a) Loans? We've got you covered.


    SBA LeadersMeet our SBA Leaders