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

Compare SBA Loan Rates, Amounts, and Repayment Terms

Zions Bank has been ranked as number one in SBA financing for 25 consecutive years in Utah and 17 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

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Maximum Loan Amount

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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

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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

Builders - 5 years

All others - 10 years

Real Estate Bank: up to 25 years

SBA: 20 years

Repayment Term

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Monthly payment of principal and interest over term of loan

Tied to use of proceeds

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

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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

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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