Small Business Loans

Helping Small Businesses Grow

Banterra has long been a partner to the small businesses in our region. We proudly offer lending solutions from the Small Business Administration (SBA) to help businesses overcome the barriers of getting their start or expanding to serve more customers.

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SBA Loans

SBA Loan Uses

Banterra’s SBA loans are focused on helping owners start their business or make changes that allow their business to grow and thrive. Uses for SBA loans include:

Ownership transitions including partner, family, long-term employee, outsider, and employee stock ownership plan (ESOP) buyout
Working capital needs beyond support from a normal borrowing base
Purchase machinery, equipment, furniture, fixtures and perform leasehold improvements
Debt refinancing to improve cash flow
Commercial real estate purchases
Start a business or franchise

SBA Loan Benefits

Banterra’s small business loans offer several benefits to business owners, including expanded financial flexibility. Terms of these loans are tailored to your business so you’re borrowing the right amount. Other benefits to our SBA loans include:

Loans are not collateral based
Credit on reasonable terms when it may not otherwise be available
Longer term and amortization options
Lower payments to help improve cash flow
Competitive interest rate - fixed or variable
Flexible terms and conditions
Lower down payments
No balloon payments (a large payment due at the end of your loan term)
Flexibility of use
Loan can be projection based

If you’d like to learn more about how your business can benefit from working with Banterra for a SBA loan, please contact our offices to schedule an appointment with our business lending team. Loan sizes can range up to $5 million. Your Banterra loan officer can help you determine the right size of loan for your business.

Other Business Loans

Find the loan solution that will allow you to maintain your capital needs or purchase more inventory to meet the demands of your customers.

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Commercial Real Estate Loans

If you're searching for new office space, Banterra's lenders can work with you to provide the real estate loan to make your purchase easier.

VIEW COMMERCIAL REAL ESTATE LOANS

This page is for informational purposes only, is not an offer of financing terms nor a commitment to provide financing for recipient. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.