SBA Loan FAQs

SBA Loan FAQs

As a leading SBA Preferred Lender for more than 16 years, our national team of SBA Specialists is here to help make the process simpler for you. Here are just a few of the most common questions from business owners.

How does it work?

Upon approval of the SBA credit application, a lender provides a loan with the SBA guaranteeing a portion. This guarantee gives the bank added comfort when considering loans to businesses that meet SBA size standards that may otherwise not qualify. The loan proceeds empowers the business to capitalize their business.

Why an SBA Loan?

With funding for specific business needs as well as real estate and operating capital, benefits include longer terms, more flexible repayment options, lower down payments, and improved cash flow, compared to more conventional lending standards.

What loan types exist?

The SBA offers a range of loans to meet diverse business needs. Learn more

How do I qualify?

Our SBA Specialists can sit down with you and look at your business’ needs and qualifications specifically.

Why KeyBank?

Key is one of the country’s top lenders to small business, and we’ve been consistently recognized for our dedication to SBA programs. Named the national 2012 Large 7(a) Lender of the Year, we’ve held the Preferred Lender designation for more than 16 years. We have lent more than $20 billion to small businesses since 2011.