Small Business Administration (SBA) Loans

As an SBA Preferred Lender, we originate, underwrite, and approve loans directly on behalf of the SBA, resulting in quick decisions, approvals, and closings. 

• Available for start-up businesses, as well as purchasing and refinancing existing businesses*
• Government-assisted help for businesses that might otherwise have difficulty getting approved
• Special financing for qualifying businesses
• Competitive rates for a wide range of business needs:
  • Commercial real estate purchase
  • Construction
  • Business acquisition or expansion
  • Equipment/inventory purchase
  • Working capital
  • And more
• A wide range of lending options available
• Generally lower down payments and extended terms
• Additional considerations taken when deciding maturity**
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

See our SBA Loan Request Checklist and Application (PDF containing a link to an email address).

Or, please call (813) 549-4763 to speak directly with Patrick Fenech, Director of American Momentum Bank SBA Lending.

7(a) loans are the most commonly-used and most flexible of the SBA loan programs. This program allows for terms up to 25 years on real estate and up to 10 years on all non-real estate loans. It features no balloon payments and a maximum loan amount of $5,000,000.

• Real estate purchase, expansion, renovation
• Machinery and equipment purchase
• Existing debt refinancing
• Business acquisition / partner buyout
• Working capital
• Leasehold improvements
• Construction financing

The SBA 504 program is used for capital purchases — including owner-occupied commercial real estate and large equipment. This program allows for terms up to 20 years.

• Real estate purchase, expansion, renovation
• Equipment purchase
• Construction financing

The SBA Express line of credit is used for short term working capital needs. The maximum loan amount is $350,000.