Loan Products

BizCapital provides loans for working capital needs, asset acquisitions, expansions and start-up businesses. Our loans range from $750,000 to $5 million and are usually in the form of SBA 7(a) guaranty loans, SBA 504 loans, and USDA B&I loans.

BizCapital’s loan products can offer more flexible terms than traditional lenders, often with less stringent underwriting criteria. Small businesses that may be unable to obtain financing from traditional banks, yet do not offer the return profile that many venture capitalists require, may be well suited for BizCapital’s financing solutions.

A leading SBA lender, BizCapital offers flexible government-guaranteed loan products to small businesses. BizCapital provides SBA loans in Alabama, Arkansas, Florida, Illinois, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada and Oregon.
The SBA’s most flexible business loan program, this loan is offered to startup companies and existing small businesses. Loan proceeds may be used for working capital; furnishings and equipment; land and building; leasehold improvements and debt refinancing.
The International Trade Loan program offers term loans for fixed asset acquisition and working capital. These loans are available if your business is in a position to expand existing export markets or develop new export markets. Alternatively, a business may also be eligible if it has been adversely affected by import competition and can demonstrate that the loan proceeds will improve its competitive position.

Loan proceeds may be used to acquire, construct, renovate, modernize, improve or expand facilities and equipment to be used in the United States to produce goods or services involved in international trade and to develop and penetrate foreign markets. Funds also may be used to refinance an existing loan.

The SBA 504 loan program offers long-term, fixed-rate financing to small businesses to acquire real estate or furnishings and equipment for expansion or modernization.
BizCapital is committed to growing the economies of rural communities. The USDA’s Business and Industry (B&I) loan guarantee program was created to facilitate job creation and maintenance in underserved rural areas by expanding the ability of lenders to provide debt financing to qualified borrowers in these areas. Under this program, BizCapital has provided financing to rural businesses across a number of industries.

USDA B&I loans range between $1 million and $10 million, and are available to businesses within communities of 50,000 or fewer residents.

Applications and Forms

After you review the forms, please contact one of our Business Development Officers to discuss your needs.

4506-T Commercial Loan Application SBA Form 413 SBA Form 912