Business meeting discussing company success

HELPING YOU GROW
YOUR BUSINESS

SBA Small Business Lending

HomeTrust Bank is a national SBA 7(a) Lender providing financing solutions to business owners with maximum loan amounts up to $5 million.

Typical loan purposes include:

  • Dentists office.Business Acquisitions – Up to 90% of total acquisition/project costs supported by an independent business valuation. Financing available up to a 10 year term.
  • Owner Occupied1 Commercial Real Estate – Up to 90% financing of the total acquisition/project costs supported by a commercial real estate appraisal. Financing is available up to a 25 year term with no balloon. The loan structure can be blended to include improvements, equipment, and other needs
  • Debt Consolidation/Refinance Existing Business Debt – No collateral coverage requirements unless dictated by the SBA SOP; typically a blanket lien on all business assets or any assets financed by the original use of the loan proceeds being refinanced is required. Financing is available up to a 10 year term on non-real estate collateral/use of proceeds and up to a 25 year term on eligible commercial real estate.
  • Front of a hotelBusiness Expansion – Financing typically up to 90% of the total project costs with no collateral coverage requirements unless dictated by the SBA SOP. Typically a blanket lien on all business assets or any assets financed by the loan proceeds is required. Financing is available up to a 10 year term. Use of proceeds can include leasehold improvements, equipment, inventory and working capital.
  • Equipment Financing – Up to 100% of invoice on new equipment purchases, including freight, sales tax, and closing costs.
  • One loan can include several uses of proceeds, including closing costs and working capital.
  • There is no prepayment penalty on loan terms less than 15 years and typically there are no standard loan covenants.
  • Construction to Permanent Financing is available through the SBA 7(a) Guaranty Program.

Eligible industries may include, but are not limited to:

  • Assisted Living
  • Auto Repair
  • Franchises
  • Gas Stations
  • Hotels
  • Insurance Agents
  • Investment Advisors
  • Medical & Dental
  • Office Buildings1
  • Professional Services
  • Skilled Nursing
  • Quick Lube
  1. Must be at least 51% owner occupied
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