Business meeting discussing company success

HELPING YOU GROW
YOUR BUSINESS

SBA Small Business Lending

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

Typical loan purposes include:

  • Dentists office.Business Acquisitions – up to 80% financing of the total acquisition costs or independent business valuation appraised value, whichever is less. Financing available up to a 10 year term.
  • Owner Occupied1 Commercial Real Estate – up to 90% financing of the total acquisition cost or appraised value, whichever is less. 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.
  • Refinance Existing Business Debt – up to 90% financing of the collateral value based on the Net Book Value of the collateral taken or an independent business valuation or appraisal. Financing is available up to a 10 year term on non-real estate collateral or use of proceeds and up to a 25 year term on owner-occupied commercial real estate.
  • Front of a hotelBusiness Expansion – up to 90% financing based on Net Book Value of collateral taken or independent business valuation or appraisal. Financing is available up to a 10 year term. Use of proceeds can include leasehold improvements, equipment, inventory and working capital.
  • 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:

  • Hotels
  • Car Wash
  • Self Storage
  • Professional Services
  • Franchises
  • Medical & Dental
  • Insurance Agents
  • Investment Advisors
  • Skilled Nursing
  • Gas Stations
  1. Must be at least 51% owner occupied
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