Small Business Administration (SBA) Loan[cite::1500::cite] Comparison

Zions Bank has been ranked as number 1 in SBA financing for 21 consecutive years in Utah and 13 consecutive years in Idaho. You can compare all the SBA loans in the table below. However, If you have any more questions about SBA financing options, contact a lender near you today.

All loans are subject to credit approval. Restrictions apply. See your local Branch for details.

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7(a) Term Loans

Express Term Loan

Export Express Term Loan

Veteran Advantage Term Loan

Export Working Capital Loan

Express Revolving Line of Credit

Export Express Revolving Line of Credit

Veteran Advantage Revolving Line of Credit

CapLine - Seasonal, Contract, Builder, Working Capital

504 Loan Program

Maximum Loan Amount
Updating
Up to $5,000,000
Up to $350,000
Up to $500,000
Up to $350,000
Up to $5,000,000
Up to $350,000
Up to $500,000
Up to $350,000
Up to $5,000,000
Total Project up to $12,500,000

Financial Center Portion $6,250,000

SBA Portion $5,000,000

Borrower Portion $1,250,000

Maximum Term
Updating
Working Capital: 7 years

Equipment: 5-15 years

Real Estate: 25 years

Working Capital: 7 years

Equipment: 5-15 years

Real Estate: 25 years

Working Capital: 7 years

Equipment: 5-15 years

Real Estate: 25 years

Working Capital: 7 years

Equipment: 5-15 years

Real Estate: 25 years

3 years
7 years
7 years
7 years
Builders - 5 years

All others - 10 years

Real Estate Bank: up to 25 years

SBA: 20 years

Repayment Term
Updating
Monthly payment of principal and interest over term of loan
Monthly payment of principal and interest over term of loan
Monthly payment of principal and interest over term of loan
Monthly payment of principal and interest over term of loan
Tied to use of proceeds
Interest Monthly, Balance should revolve over term of loan
Interest Monthly, Balance should revolve over term of loan
Interest Monthly, Balance should revolve over term of loan
Tied to use of proceeds
Monthly payment of principal and interest over term of loan
Maximum SBA Interest Rates - Adjusts Monthly
Updating
Term < 7 yrs Base Rate

B+2.25

Term > 7 yrs Base Rate

B+2.75

Loan < $25M increase rate by 2.0%

Loan > $25M < $50M increase rate by 1.0%

Loan < $50M Base Rate

B+6.5

Loan > $50M Base Rate

B+4.5

Term < 7 yrs Base Rate

B+2.25

Term > 7 yrs Base Rate

B+2.75

Loan < $25M increase rate by 2.0%

Loan > $25M < $50M increase rate by 1.0%

Term < 7 yrs Base Rate

B+2.25

Term > 7 yrs Base Rate

B+2.75

Loan < $25M increase rate by 2.0%

Loan > $25M < $50M increase rate by 1.0%

Term < 7 yrs Base Rate

B+2.25

Term > 7 yrs Base Rate

B+2.75

Loan < $25M increase rate by 2.0%

Loan > $25M < $50M increase rate by 1.0%

Loan < $50M Base Rate

B+6.5

Loan > $50M Base Rate

B+4.5

Loan < $50M Base Rate

B+6.5

Loan > $50M Base Rate

B+4.5

Loan < $50M Base Rate

B+6.5

Loan > $50M Base Rate

B+4.5

Term < 7 yrs Base Rate

B+2.25

Term > 7 yrs Base Rate

B+2.75

Loan < $25M increase rate by 2.0%

Loan > $25M < $50M increase rate by 1.0%

Financial Center: Market Rates

SBA: Debenture Rate fixed for term