SBA Loans | Preferred Lender | Happen Bank
Business Banking
SBA Loans
Happen Bank is a nationwide Preferred SBA Lender
Types of SBA Loans
SBA 7(a) Loans
SBA’s flagship program for small and medium-sized businesses, offering financing for virtually all business expenses, including commercial real estate purchases and construction, refinance of existing debt, equipment financing, working capital, and business acquisitions. The typical loan size is between $400,000 to $5 million.
SBA 504 Loans
Long-term, fixed-rate financing for real estate purchases (and buildout), ground-up construction, heavy equipment, and debt refinance. SBA 504 loans pair a senior bank loan with a debenture which together offer up to 90% financing. The typical loan size is between $750,000 to $15 million+. Learn more about 504 loans.
SBA Express Lines of Credit
A revolving credit line for working capital. The maximum express loan is $500,000.
SBA Lending Programs
Creative financial solutions to meet your borrowing needs.
Business Acquisition/Wealth Transfer
- Up to 90% financing for business acquisitions
- Aggressive financing for partnership or family buyout
- Can include working capital
- Up to 10-year term (up to 25 years with real estate)
Learn More
Commercial Real Estate
- Up to 90% financing with 25-year term
- 51% or more owner-occupied
- SBA 7(a) or 504 loans
- Can include working capital, equipment, improvements, and closing costs
- Single or multi-purpose (includes hotels, restaurants, gas station/convenience stores, and assisted living)
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Medical & Dental Practice Financing
- Up to 90% financing for business acquisition or expansion
- Up to 85% financing for startup
- Up to 100% financing for partnerships or buyouts
- Up to 10-year term without real estate
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Franchise Financing
- Up to 90% financing for start-up, expansion and acquisition
- Up to 10-year term (up to 25 years with real estate)
Learn More
Refinancing
- Most business-related debt is eligible
- No equity injection required
- Must save at least 10% on current debt service
- Up to 25-year term
Business Expansion
- Can include working capital, equipment, and improvements
- Existing business must be profitable
- Up to 90% financing, 10 to 25-year terms
Get in touch!
Feel free to contact us with any questions. We are dedicated to providing exceptional customer service.
Why choose Happen Bank?
“I'm on my third loan with them and being a small business owner it sure feels good that there is somebody out there to go to when you need help. I appreciate you guys very much and would recommend them to anybody.” — Paul D.
Security
Keeping your financial info private and secure is our priority.
FDIC Insurance
Deposits are FDIC-insured up to the maximum amount allowed—$250,000.
Customer support
Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.