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SBA Programs

Through its satisfactory history with the Small Business Administration (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) programs and 504 debenture program. Read below to find out what SBA program best fits your needs. Fill out a short form to find out if you qualify. Contact a lender for complete details.

7(a) Programs*

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

SBA Express

  • Available for Lines of Credit 
  • Up to a 7 year term 
  • Loans up to $350,000

Standard 7(a)

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

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


Once you know that you initially qualify, use our checklist and download a business loan application today.

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