Government Lending

An alternative method for you to consider to get financing for your business is an SBA loan. Typically, they include lower down payments and longer repayment terms than conventional bank loans, which could allow you to reserve your cash flow for day-to-day, operating expenses and lower debt repayment. Let Capital Bank introduce you to the different SBA loan options that we offer and give you a level of personal service you won’t receive at a larger bank. Contact your local Capital Bank for more details.

SBA 7(a) Lending Program

SBA 7(a) loan program is most commonly used when there is a gap between the collateral available from the borrower and the collateral needed by the bank to secure the loan.

SBA 504 Loan Program

The SBA 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

USDA Loan Guaranty Program

The Business and Industry (B&I) Guaranteed USDA Loan Program helps create jobs and stimulates rural economies by providing financial backing for rural businesses. This USDA loan program provides guarantees up to 80 percent of a loan made by a commercial lender.