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    SBA PROGRAMS
SBA PROGRAMS

Through its satisfactory history with the Small Business Association (SBA), Gulf Coast Bank & Trust Co. participates in the Preferred Lender Program (PLP). As a preferred lender, Gulf Coast Bank can streamline the SBA loan process through its ability to make final credit decisions and handle most servicing issues.

Gulf Coast Bank participates in both the 7(a) and 504 debenture programs. Read below to find out what SBA program best fits your needs. Contact a lender for complete details.

Back to SBA Homepage

7(a) Program*

Most common programs offered by SBA to help eligible small businesses obtain credit not available elsewhere. The 7(a) programís goal is to help create jobs by providing financing for general business purposes through the SBAís guaranty of a loan made by an approved lender.

SBA Express

  • Available for Lines of Credit and Term Loans
  • Up to a 25 year term (depending on the Use of Proceeds)
  • Loans up to $350,000

Small Loan Advantage

  • Available for Term Loans only
  • Up to a 25 year term (depending on the Use of Proceeds)
  • Loans amounts up to $350,000

Standard 7(a)

  • Available for Lines of Credit & Term Loans
  • Up to a 25 year term (depending on the Use of Proceeds)
  • Loan amounts above $350,000 & up to $5 Million

*Guaranty Fee waived for loans $150,000 and below. Guaranty Fee waived for loan $350,000 and below (for Veterans only). Other non-SBA fees may apply.

504 Debenture Program

The 504 debenture program targets companies in their growth cycle by providing long term, fixed asset financing for small businesses to purchase or improve land, building, or major equipment. The goal of the program is to facilitate creation of jobs and local economic development.

504 Loans

  • Available for companies with less than $15 Million in tangible net worth
  • Average two fiscal year net income is below $5 Million

Applications

Once you know that you qualify, you can get started, just click on one of the Downloadable Applications below:
Business Loan Application
Business Loan Checklist
*Gulf Coast Bank was rated the SBAís Top Dollar Lender in the Louisiana market. Ranking as of 9/30/2013.
 
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