Small Business Association Loans

Launch your business with our team’s tailored Small Business Administration lending solutions.

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Small business association loans explained

Set your small business up for success.

The Small Business Administration (SBA) offers government-guaranteed loans designed to give your small business the support it needs to thrive—even if you’ve had a hard time securing credit in the past. With BNC National Bank, you don’t have to navigate the SBA lending process alone. We’re here to guide you, every step of the way.

Small business association loans qualifications

Find out if you qualify for SBA lending.

We’ll make it easy to learn whether you qualify for SBA loans and explore the benefits you’re eligible to receive.

Who qualifies for a Small Business Association (SBA) loan?

Businesses that qualify include owner-operated, sole proprietorship, corporation or professional partnerships, and for profits.

What can my SBA funding be used to purchase?

SBA funding can be used to finance working capital, equipment, inventory, commercial real estate, and business acquisitions.

What are the benefits of SBA funding over conventional loans?

With SBA loans, you enjoy longer terms with lower down payments, less restrictive financial covenants, and no balloon payments.

How to qualify for national
business funding

To qualify for national business funding through BNC National Bank, businesses typically need to meet requirements such as demonstrating consistent revenue and having a solid credit history. Specific qualifications may vary by loan type, including SBA loans, so it’s best to consult directly with a BNC business banking specialist.

Why SBA Loans?

Build a strong foundation for your business.

SBA loans may come with an involved application process, but that serves as an opportunity for our team to help you strategically fuel your business endeavors. SBA loans also come with specific benefits—such as more flexible payment terms—that may not be achievable through conventional loans.

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Our team, supporting yours

Get specialized lending support.

We specialize in SBA lending, and we’re ready to answer your questions and get you started. Our SBA lending team can assist you with a variety of options, including 7(a) loans up to $5 million, 504 loans, and express loans.

Testimonials

Our customers say it best:

Eddie Hill, Owner, Hill Hockey

Because of the professionalism and sincere care that Larry O’Malley and BNC Bank have towards our business and our family, we are BEYOND thrilled with our relationship with BNC Bank. We were able to get out of a high interest rate loan and into a rate that helps our business dramatically and with a pretty streamline process compared to other institutions we have worked with. The overall customer service and attention to detail is second to none. AMAZING! We opened our hockey rink in the middle of a worldwide pandemic when rinks across North America were closing. Financing was tough to come by. BNC believed in us and saw our vision to expand and the product we offer.

Dustin Leingang, Owner, Leingang Properties

I was having some challenges with my existing lender not seeming to understand our plan for growth which resulted in a lack of attention to our needs. The timing was perfect to check out another banking partner and relationships are key for us so we started working with BNC. The whole crew at the North Branch and the support staff at the main office who we deal with are always great.

With the help of Jason, Nate, Lisa and the team we've been able to grow our portfolio over 150% in the last two years. They understand our goals and help bridge the gaps between planning and accomplishing.

Whitney Jurjevich, Owner, Ameripark Storage

In 2013 I was buying my first Self Storage property and BNC was the only bank that would lend to me. They took the time to listen and get to know me personally. They moved forward with conviction and helped me grow my business to several location across the state. They always find a way to make things work and get it done on time. They never try to fit me in their “box”. They listen, then figure out how to fit the box around me. The people, from top to bottom, are genuine and really care about helping their customers. For anyone looking to build a banking relationship I highly recommend working with the people at BNC Bank.

Susan L Cordts, CEO, Catalytic Health Partners, Inc

Before meeting Sean and Nick at BNC Bank, my banking perception was all banks are the same mediocre solution—no real interest in my business and lots of commitments with no follow up. They made commitments and did them; they provided solutions that were aligned to my business needs. This level of engagement and support has persisted throughout our time with the bank, not just the first 60-90 days of our becoming a customer. Everyone at BNC goes the extra mile to make you feel welcomed and known as a customer. With their support we have been able to expand across the state of AZ with our services. I recommend BNC Bank to all my business colleagues as a banking solution truly vested in the future and growth of your business.

Flip Isard, Founder/CEO, Frites Street Fries

My company has been able to scale and get the financing and help with sourcing new equipment.

The relationship that Sean Ward has built with myself and my management team. He is committed to being a part of our team.

BNC is a bank but they have the human component that I haven’t found with other banks and businesses. We don’t feel like just a number in the system with BNC we feel like they care about our success and growth and are a part of the ride.

Eddie Hill, Owner, Hill Hockey

Dustin Leingang, Owner, Leingang Properties

Whitney Jurjevich, Owner, Ameripark Storage

Susan L Cordts, CEO, Catalytic Health Partners, Inc

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