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The small business lending advantage.

The SBA has created a variety of loan programs specific for individual business purposes, making it possible for businesses to get the funds they need while providing more flexible terms. These loans assist small businesses that may not otherwise qualify for credit.

Why AmericanWest Bank
  • SBA Preferred Lender status for quicker decisions.
  • Team of SBA experts.
  • Focused on creating relationships with businesses.

Who is eligible

  • Owner-operator in essentially every industry.
  • Businesses operated for profit.
  • Businesses unable to secure funds on reasonable terms.
  • Those who meet the SBA size standard requirement.
Business purpose includes:
  • Real estate purchase.
  • Business acquisition or start-up.
  • Equipment purchase.
  • Debt refinance.
  • Working capital.

Benefits of an SBA loan

  • Lower payments/longer terms.
  • Higher loan-to-value ratios.
  • Lower down payment/equity requirement.
  • Fixed and variable rate options.
  • No balloon payments.

To find out if an SBA loan is appropriate for your business, meet with one of our lending specialists by contacting your neighborhood AmericanWest Bank branch, or send us an email and one of our SBA experts will contact you.

SBA Loan Types

We offer six different SBA loan types with funding that ranges from $50,000-$5 million.

  • "SBA

    SBA 504

      The SBA 504 Loan assists small businesses in purchasing long-term assets, such as a building or machinery. Specific criteria ensure that businesses create economic development as a result of the financing.
    • "SBA

      SBA 7(a)

        The SBA 7(a) Loan is a great solution for many new or well-established for-profit small businesses. As a designated lender in the SBA Preferred Lender Program, we can offer a quicker turnaround time on your loan approval.
      • "Small

        Small Loan Advantage

          Streamlined loan for loans up to $350,000. Shorter, simplified application.
        • "Patriot

          Patriot Express

            Streamlined loan for businesses owned and controlled 51 percent or more by an individual or individuals who are:  A Veteran, Service-Disabled Veteran, Active Duty Military service member participating in the military’s Transition Assistance Program or Reservists and National Guard.
          • "Export

            Export Express

              The SBA Express Revolving Line of Credit is a good tool for small businesses to support accounts receivable collections, inventory fluctuations and seasonal working capital needs on a short-term basis. As a designated Express Lender through the SBA, we can assist in the expedited process to get your business on its way.
            • "SBA

              SBA CapLines

                CapLines is an umbrella program that helps small businesses meet their short-term and cyclical working capital needs. It features four lines:  Seasonal Line, Contract Line, Builders Line and Asset-Based Line.

              Questions? Ask the team.

              Our Eastern Washington and North Idaho team is here to help.Get In Touch

              Eastern Washington and North Idaho
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