Turn your big idea into reality
The U.S. Small Business Administration (SBA) loans offer lower down payment requirements, longer repayment terms, lower cash flow requirements to cover payments, and the ability to conserve cash for operating expenses. The right resources can change everything and we're here to help!
Security National Bank is proud to obtain SBA Preferred Lender Status - this allows us to serve our customers more efficiently - meaning we can underwrite your loan application, saving you time. We can also provide credit to businesses that might not otherwise find it and enable the borrower to stretch out repayment over a longer period of time.
Security National Bank is approved to offer SBA loan products under the SBA's Preferred Lender program.
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SBA LOANS
SBA loans are small business loans that are partially guaranteed by the government. The below loans provide businesses with access to capital that might not otherwise be available, with more flexible underwriting than conventional business loans. All loans are subject to credit approval. Click the drop-down arrow to learn more about each type of SBA loan. To learn more about SBA, visit the source www.sba.gov.
SBA 7(a) Loans
The SBA uses the 7(a) loan program as its primary method of funding small businesses. An SBA 7(A) Loan is the most common SBA loan product, offering flexibility on terms and used for a variety of business needs. The interest rates for the SBA 7(a) Loans can be variable or a fixed rate. The Loan terms can be 10 to 25 years, depending on the loan purpose.
LOAN PURPOSES INCLUDE:
- Expanding or acquiring a business
- Purchasing or constructing real estate
- Refinancing existing business debt
- Buying equipment
- Providing working capital
- Financing building improvement
- Purchasing inventory
- Refinancing owner-occupied real estate
- Start-up Financing
ADVANTAGES:
- Up to 100% bank financing
- Fully amortized/no balloons
- No pre-payment penalties for loan terms under 15 years
Am I eligible for a 7(a) loan? To qualify for an SBA 7(a) loan, a business must operate as a for-profit, do business in the United States or its territories, and be considered a small business, as defined by the SBA. Before seeking financial assistance, they must have reasonable invested equity and use alternative financial resources (including personal assets). They must demonstrate a need for a loan, use the funds for a sound business purpose, and not be delinquent on any existing debt obligations to the U.S. government. Contact a banker below for additional information on eligibility criteria and loan application requirements. All loans are subject to Security National Bank credit approval and SBA eligibility.
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SBA 504 Loans
The SBA 504 Loan is used for Real Estate and Equipment. While the eligibility requirements for a 504 loan are nearly the same as the 7(a) loan, the approved uses of the loan are different. The interest rates for an SBA 504 Loan can be a variable or a fixed rate. The terms are up to 10 years for machinery or equipment, and up to 25 years for real estate.
LOAN PURPOSES INCLUDE:
- Purchasing land or an existing building
- Expanding or improving an existing building
- Purchasing long-lived machinery or equipment
- Refinancing owner-occupied real estate
- Start-up Financing
ADVANTAGES:
- Low down payment conserves your cash
- Fixed or floating interest rates available
- Loan amounts up to $15,000,000
Am I eligible for a 504 loan? To qualify for an SBA 504 loan, a business must operate as a for-profit, do business in the United States or its territories, have a tangible net worth of less than $15 million, and have an average net income of less than $5 million after federal income taxes for the two years preceding your application.
Other general eligibility standards include falling within SBA size guidelines, having qualified management expertise, a feasible business plan, good character and the ability to repay the loan. Loans cannot be made to businesses engaged in nonprofit, passive, or speculative activities. Contact a banker below for additional information on eligibility criteria and loan application requirements. All loans are subject to Security National Bank credit approval and SBA eligibility.
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CONTACT OUR EXPERTS
Call a banker to learn more at (402) 344-7300 or toll-free at (844) SNB-1964. Find direct contact information below.
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Texas

Jason Parsons
Senior Vice President
SBA Director
Office: 469-749-8952
Cell: 214-886-2395
Email Jason
Full-Service Branch: 2300 North Field Street, Suite 100 | Dallas, TX 75201
Loan Production Office: 15950 Dallas Pkwy, Suite 225 | Dallas, TX 75248
Texas Webpage: https://www.snbconnect.com/Texas

Alex Griffin
SBA Business Development Officer
Office: 469-749-8944
Cell: 423-443-8257
Email Alex
Full-Service Branch: 2300 North Field Street, Suite 100 | Dallas, TX 75201
Loan Production Office: 15950 Dallas Pkwy, Suite 225 | Dallas, TX 75248
Texas Webpage: https://www.snbconnect.com/Texas

Connie Ramos
SBA Business Development Officer
Cell: 214-213-1142
Email CONNIE
Full-Service Branch: 2300 North Field Street, Suite 100 | Dallas, TX 75201
Loan Production Office: 15950 Dallas Pkwy, Suite 225 | Dallas, TX 75248
Texas Webpage: https://www.snbconnect.com/Texas
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