SBA Lending

SBA financing to build better communities, one small business at a time.

We believe locally-owned businesses are at the heart of communities everywhere. In fact, we were founded by a small business owner 25 years ago. That same entrepreneurial spirit still guides us, leading us to become one of the nation’s top-ten SBA 7(a) lenders. Our mission is to help clients imagine more through a variety of SBA financing options with a streamlined SBA loan process.

Contact us about SBA financing.

The goal of our SBA financing team is to help you succeed. New and existing businesses can enjoy:

  • Preferred SBA Lender status
  • Faster, streamlined SBA loan process
  • Customized SBA financing solutions

Spending less time on the SBA loan process, means more time focusing on what matters most – growing your business.


We would love an opportunity to discuss your business goals and help make them a reality. Ready to learn more about the SBA loan process?

For questions about your existing SBA loan or to make a payment, please contact or 855-271-6384.

Don’t just take
our word for it

“I would absolutely recommend First Internet Bank to other small businesses, because they worked closely with us to grow and make the most out of our business.”

– Poppy Cakes

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Streamlined SBA loan process

As a Preferred SBA lender, the loan process is faster and the amount of paperwork is reduced.


Experienced SBA financing team

Our team of expert SBA lenders have the experience and understanding needed to create an SBA loan package unique to your specific needs.


Your success is our business

As a bank built by an entrepreneur, we care about your success through SBA financing and want to empower you with personalized service.

Available SBA Loan Programs

SBA 7(a)

Key benefits

  • Loan amounts up to $5 million
  • Terms up to 10 years for business acquisition, working capital and inventory, equipment or tenant improvement
  • Terms up to 25 years for real estate
  • Flexible collateral options

Best for

  • Business acquisition
  • Equipment
  • Debt refinance, working capital and inventory
  • Tenant improvement, partner buyout
  • For-profit businesses
  • Owner-occupied commercial real estate purchase

SBA Express

Key benefits

  • Loan amounts up to $350,000
  • Credit decisions made in as little as 48 hours
  • Offered in the form of term loans or lines of credit
  • Flexible collateral options
  • Long-or short-term operating capital

Best for

  • Refinance
  • Smaller construction projects; renovations
  • For-profit businesses
  • Furniture, equipment purchase

SBA 504

Key benefits

  • Long-term fixed-rate financing
  • Loan amounts up to $5 million
  • Certified Development Company (CDC) loan terms up to 25 years
  • Equipment loan terms up to 10 years

Best for

  • Owner-occupied real estate purchase
  • Equipment
  • Debt refinance
  • Real Estate Construction

Meet Our SBA Experts

Ready to join one of the fastest-growing Preferred SBA Lenders
in the country? Contact Mark Gibson today to imagine more for your future!

Mark Gibson

SBA National Sales Manager


Eve Wilkerson

Vice President


Ryan Kroge

Vice President


Jared Johnson

Vice President


Ben Woodward

Vice President


Sam Criales

Vice President


Tyler Maragh

Vice President


Clayton Baker

Vice President


Paul DePasquale

Vice President


Will Tinsley

Vice President


Alan Peterson

Vice President


Charles Wheaton

Vice President


Joe Reynolds

Vice President


Craig Simon

Vice President


Your step-by-step guide to the SBA Loan Process

Contact a Business Development Officer to discuss your needs.

Provide requested information and receive your custom proposal.

Review and accept offer.

Provide credit documentation.

Bank begins underwriting process.

Bank provides credit decision approval, SBA approves loan.

Receive loan closing checklist

Schedule your closing.

Put your funds to work.

We make the SBA lending process easier. Have questions? We have answers.

Can businesses have multiple SBA loans?

Yes, borrowers can have multiple 7(a) loans so long as each loan fits into SBA guidelines, is in good standing and the total does not exceed $5MM.

Can I get an SBA loan if my credit is bad?

The Small Business Administration doesn’t have a fixed minimum personal credit score; however, the lending banks with which they work do have minimums, which are usually around 620. In most circumstances, a score of 680 or higher will likely qualify.

Can SBA loans be used to refinance existing debt?

The SBA 7(a) loans can help small business owners refinance existing debt into loans with lower payments and/or longer terms so long as a number of basic requirements are met, including:

  • The debt to be refinanced must have been exclusively for business purposes
  • The loan can’t be used to refinance business debt that’s already determined to be on reasonable terms
  • A loan can’t be used to shift all or part of a potential loss to the SBA
  • The debt to be refinanced must have a purpose that would have been eligible for SBA financing when it originated.
  • If the debt to be refinanced was used in whole or in part to refinance a previous debt, the current loan must be reported on your balance sheet for two full tax cycles before applying for an SBA 7(a) loan. Documentation to confirm all funds were used only for an eligible business purpose is required
  • Individual lenders might have additional restrictions
How are interest rates determined?

SBA 7(a) loan rates are negotiated between the borrower and the lender; however, the SBA establishes maximums which are generally based on the prime rate. Loans may be fixed or variable rate.

What can disqualify borrowers from getting an SBA loan?

An SBA loan can be denied if you:

  • Can reasonably obtain financing elsewhere
  • Have had a past default on a government loan
  • Are engaged in illegal activities, gambling or multi-sales distribution
  • Are on parole or have been convicted of a felony in the past year
Is a business plan required for SBA loan approval?

While not all transactions require a business plan,  it is a great starting point for anyone seeking an SBA loan. If one is required, it will be the document most closely scrutinized by lenders.

Can retirement funds be used as down payment?

Retirement funds can be used as a down payment on an SBA loan if you have a 401(k) account or another approved tax-deferred retirement account containing at least $50,000.

How much can borrowers qualify for?

Loans guaranteed by SBA range from microloans as small as $500 to as much as $5MM for a 7(a) loan and $5.5MM for a 504 loan. Certain eligible projects may qualify for up to three 504 loans not to exceed a total of $16.5MM. Lenders can choose the types of SBA loans they offer, so not every option may be available from a local financial institution.

How can an SBA loan be used?

SBA Loans may be used for a variety of purposes, such as working capital, expanding or purchasing a business, new equipment purchases, real estate or operating capital to support current business efforts.


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