SBA LOANS

SBA Loans offer lower down payments and longer repayment terms than many other financing options. They are smart, affordable solutions for small businesses looking to grow their business.

SBA 7(a) Loan

SBA 7(a) Loans can be used for nearly any business purpose, such as commercial real estate, construction or renovation for owner-users, business acquisition and start-up, franchise refinancing, refinancing for existing debt, equipment purchases, working capital, and inventory.

SBA 7(a) Benefits

• Can be used for nearly any business expense
• Down payments as low as 10%
• Loan amounts from $250,000 to $2 million
• Competitive rates
• Low monthly payments with up to 25-year amortizations available
• Quick approvals and fast closings
• Owner-occupancy as low as 51%

SBA 504 Loans

Are you a small business with big plans? With its large loan amounts and low monthly payments, the SBA 504 Loan Program is ideal for bigger real estate purchases or construction projects.

SBA 504 Benefits

• Combined loan amounts up to $6.5 million
• Down payments as low as 10%
• Competitive rates
• Low monthly payments with up to 30-year amortizations available
• Commercial occupancy as low as 51%

Member FDIC

Equal Credit Opportunity Lender

Loans are provided by Wachovia Small Business Capital, which is comprised of Wachovia SBA Lending, Inc. ("WSBA"), the lender for SBA 7(a) loans, and Wachovia Commercial Mortgage, Inc. ("WCMI"), the lender for all other loans. Both are subsidiaries of Wachovia Bank, N.A.

©2006 Wachovia Corporation.

Subject to credit approval.

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