If you want to start or expand a business, a SBA 7(a) loan may be the right choice for you.

The SBA 7(a) loan is a flexible, long-term financing option backed by the U.S. Small Business Administration for growing businesses. You can borrow up to $5 million for a wide range of business needs, from purchasing real estate and equipment to working capital for everyday expenses. First Home Bank is a preferred SBA Lender, and our experts can lead you through the application process to make it as easy as possible.


  • Financing up to $5 million
  • Loan terms from 7 to 25 years
  • No future balloon payment (fully amortizing loan)
  • Low interest rates
  • Low down payment
  • Closing costs can be financed
  • No prepayment penalties on loans with maturities less than 15 years


  • Get capital when conventional financing isn’t an option
  • Enjoy longer-term financing for a wide range of business needs
  • Structure the loan to fit your cash flow

What you’ll need to get started

  • A completed SBA Loan Application
  • Three years of personal tax returns and a personal financial statement for each owner of 20% or more
  • Three years of business tax returns
  • A current balance sheet and profit/loss statement for the business