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With Small Business Administration (SBA) loans, clients find greater flexibility for many uses such as acquiring a business, making payroll, paying bills, buying equipment to take advantage of new opportunities, and more. As an SBA-designated Preferred Lending Partner, First Business Bank is recognized as a top-tier SBA provider, helping you navigate the SBA loan approval process more efficiently.

SBA & Government Guaranteed Lending Options

Economic Injury Disaster Loan Assistance (EIDL)

Loans for recovery help from the COVID-19 pandemic; up to $2 million for payroll, fixed debt, accounts payable, and other bills you need help paying because of the disaster.

Gears Eggplant

504 LOAN

Focus on running and growing your business rather than on how you’ll pay for improvements. Featuring a competitive rate and no balloon payments, this option offers predictable, steady financing without a borrowing limit.

Briefcase Eggplant

7(A) LOAN

Accomplish your objectives faster with up to $5 million for broader business purposes, including refinancing existing debt and boosting cash flow. Now you don’t have to wait to take action on your plans to achieve success.

Small Business Eggplant

USDA BUSINESS & INDUSTRY

You were never intimidated by the individual challenges unique to your location and industry, and now you can benefit from a loan program that recognizes the importance of creating and saving jobs in under-served locations.

Globe Eggplant

INTERNATIONAL TRADE LOAN PROGRAM

Getting ahead in the global economy takes planning, opportunity, and resources. This program allows you to make investments in your company to expand into global markets and compete internationally.

 

SBA SMALL BUSINESSES LOANS

 

SBA Economic Injury Disaster Loan Assistance (EIDL)

SBA Economic Injury Disaster Loan Assistance (EIDL)

The Small Business Administration (SBA) approved non-profits and businesses to receive low-interest Economic Injury Disaster Loans (EIDL) to help them recover from the COVID-19 pandemic. EIDL loans are offered directly through the SBA, not through banks. Details on the EIDL loans include:

  • Amount: Determined by SBA, up to $2 million per business or organization (up to $25,000 unsecured).
  • Eligibility: Must show “substantial economic injury as a result of COVID-19” from January 30, 2020, to the present, as compared to 2019 financials.
  • Permitted uses: Fixed debt, payroll, accounts payable, and other bills that can’t be paid because of the impact of COVID-19.
  • Interest rates: 3.75% for small businesses without credit available elsewhere, but no lender turn-down required; 2.75% for non-profit organizations.
  • Repayment/deferral: Determined by SBA, up to 30 year term. Most repayment terms are 15-30 years.
  • Apply: Online applications are strongly encouraged. Visit the SBA website to learn more and apply.

Learn More

504 LOAN

504 LOAN

A popular small business loan program, the 504 loan provides security of longer amortization and fixed-rate financing — without frightening balloon payments. It also features 90% financing, which makes it desirable to small business owners.  This loan can be used for fixed assets and related costs that promote the growth and development of your business, including:

• Buying land, including existing buildings

• Making improvements, including grading, street improvements, utilities, parking lots, and landscaping

• Building new facilities or modernizing, renovating, or converting existing facilities

• Buying long-term machinery or equipment

7(A) LOAN

7(A) LOAN

With a maximum small business loan amount of $5 million, the 7(a) loan is attractive to many owners of small-to-medium sized businesses who use them to fund their new business and capital needs. With favorable repayment terms and fixed interest rates, they’re a predictable source of capital to improve cash flow and start or expand your business. Our seasoned small business loan experts can help you navigate the requirements of getting a 7(a) loan for:

• Establishing a new business

• Acquiring an existing business

• Long-term working capital for operational expenses, accounts payable, purchasing inventory

• Short-term capital needs for seasonal financing, construction financing, and exporting

• Purchasing equipment, machinery, furniture, supplies, and real estate

• In some cases, refinancing existing business debt

USDA BUSINESS & INDUSTRY

USDA BUSINESS & INDUSTRY

Developed to save and create jobs in rural areas, these small business loans provide funding to rural businesses. If you’re planning improvements in your business in a rural area, our small business loan experts will help you investigate the benefits of this loan and your eligibility. It can be used by business owners looking for financing for:

• Expanding, repairing, modernizing, or developing your business

• Purchasing and developing land, easements, rights-of-way, buildings, or facilities

• Purchasing equipment, leasehold improvements, machinery, supplies, or inventory

• Refinancing debt when it improves cash flow and creates or saves jobs

• Making business and industrial acquisitions that will create or save jobs

INTERNATIONAL TRADE LOAN PROGRAM

INTERNATIONAL TRADE LOAN PROGRAM

Growing your import business or expanding and modernizing to match foreign competition are two prime uses of the International Trade Loan Program. Your business can receive up to $5 million in small business loans through the program for multiple improvements, including working capital for export transactions. With up to 90% financing, flexible eligibility requirements, longer-term amortization, and fixed-rate financing, businesses often use the International Trade Loan Program for:

• Acquiring, constructing, renovating, modernizing, improving, or expanding facilities or equipment in the United States to produce goods or services involved in international trade

• Working capital

• Developing new foreign markets for your products or business

• Refinancing an existing loan

SBA Lending Success Stories

Funding a New Business with a Franchise Loan

Two business partners are starting a family entertainment center, a start-up franchise location, and they have more than 20 years of local industry experience between them. We we’re able to help these business owners by…

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$21,000 Annual Savings with the right Loan

The owner of a gas station/convenience store needs to refinance a loan with a large balloon payment. Margins on gas typically are low, and external factors, like road construction, can dramatically impact the business’s cash…

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SBA FUNDING WITH LIMITED COLLATERAL

SUCCESS STORY THE SITUATION: FAMILY WANTS TO BUY PROFITABLE BUSINESS A husband, wife, and son team has over 30 years of combined experience in an industry and finds the perfect…

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Approved Deals

$1,400,000
SBA LENDING
  • 7(a) loan
Start-up Restaurant Franchise
Maryland
$4,200,000
SBA LENDING
  • 7(a) loan
Engineering Company
Business Acquisition
Wisconsin
$700,000
SBA LENDING
  • 7(a) loan
Craft Brewing
Company Expansion
Wisconsin
$1,100,000
SBA LENDING
  • 7(a) loan
Franchise Restaurant Expansion
Florida
$450,000
SBA LENDING
  • 7(a) loan
Real Estate/Business Acquisition
Wisconsin
$600,000
SBA LENDING
  • 7(a) loan
Start-up Restaurant Franchise
California
$1,800,000
SBA LENDING
  • 7(a) loan
Self-Storage Facility Expansion
Wisconsin
$2,000,000
SBA LENDING
  • 7(a) loan
Family Entertainment Franchise Start-up
Florida

Closed Deals

$650,000
SBA LENDING
  • 7(a) loan
 HVAC Company for the Purchase of Real Estate
Kansas
$1,300,000
SBA LENDING
  • 7(a) loan
Family Entertainment Franchise Start-up
Wisconsin
$1,100,000
SBA LENDING
  • 7(a) loan
Family Entertainment   Franchise Start-up
Missouri
$650,000
SBA LENDING
  • 7(a) loan
Professional Services Company
Wisconsin
$425,000
SBA LENDING
  • 7(a) loan
Real Estate/ Office Space
Illinois
$720,000
SBA LENDING
  • 7(a) loan
Restaurant Expansion
Kansas
$3,000,000
SBA LENDING
  • 7(a) loan
Professional Services Company
Wisconsin
$832,000
SBA LENDING
  • 7(a) loan
Machine Shop Acquisition
Wisconsin
$1,388,000
SBA LENDING
  • 7(a) loan
Franchise Business Expansion
Oregon
$1,200,000
SBA LENDING
  • 7(a) loan
Beverage Retailer Acquisition
Colorado
$1,500,000
SBA LENDING
  • 7(a) loan
Franchise Restaurant Expansion
Georgia
$2,935,000
SBA LENDING
  • 7(a) loan
Business Acquisition
North Carolina
$328,500
SBA LENDING
  • 7(a) loan
Commercial Cleaning Services
Michigan
$2,935,000
SBA LENDING
  • 7(a) loan & SBA Express Line of Credit
Utility Right of Way Maintenance
North Carolina
$2,500,000
SBA LENDING
  • 7(a) loan
Retail Franchise
Oregon
$1,450,000
SBA LENDING
  • 7(a) loan
IT Consulting
New Jersey
$370,000
SBA LENDING
  • 7(a) loan
Package Delivery
Florida
$3,674,000
SBA LENDING
  • 7(a) loan
Industrial Flooring
Washington
$515,000
SBA LENDING
  • 7(a) loan
Alarm Systems
Florida
$3,773,000
SBA LENDING
  • 7(a) loan
CPA Firm
Florida
$3,999,000
SBA LENDING
  • 7(a) loan
Truck Repair
Georgia
$1,045,000
SBA LENDING
  • 7(a) loan
e-Commerce Cosmetic
Subscription
Florida
$1,750,000
SBA LENDING
  • 7(a) loan
e-Commerce Kombucha
Products
Florida

Leadership Team

Marty Ferguson

Marty Ferguson

Managing Director of SBA Lending
First Business Bank

Industry & Service Experts

Charlie Argard

Charlie Argard

SBA Portfolio Manager
First Business Bank

Leawood, KS (Kansas City Metro)

Cindy Babbitt

Cindy Babbitt

Senior SBA Loan Closer
First Business Bank

Ryan Black

Ryan Black

SBA Business Development Officer
First Business Bank

Brookfield, WI (Southeast Wisconsin)

Mark Davis

Mark Davis

SBA Business Development Officer
First Business Bank

Travis Frazier, CRC

Travis Frazier, CRC

SBA Portfolio Manager II
First Business Bank

Brookfield, WI (Southeast Wisconsin)

Melissa Gift

Melissa Gift

SBA Disbursement Coordinator
First Business Bank

Leawood, KS (Kansas City Metro)

Mike Groth

Mike Groth

SBA Portfolio Manager
First Business Bank

Brookfield, WI (Southeast Wisconsin)

John Hanlon

John Hanlon

SBA Business Development Officer
First Business Bank

Diane Jacobson

Diane Jacobson

Senior Client Relationship Specialist – SBA
First Business Bank

Leawood, KS (Kansas City Metro)

Cesar Jimenez

Cesar Jimenez

SBA Business Development Officer
First Business Bank

Stephanie Mondragon

Stephanie Mondragon

Senior SBA Construction Specialist
First Business Bank

Dee O’Meara

Dee O’Meara

Client Relationship Specialist - SBA
First Business Bank

Leawood, KS (Kansas City Metro)

Jaime Olson

Jaime Olson

SBA Closing Manager
First Business Bank

Leawood, KS (Kansas City Metro)

Lisa Pennington

Lisa Pennington

Senior SBA Loan Closer
First Business Bank

Leawood, KS (Kansas City Metro)

Erik Rajek

Erik Rajek

Director of SBA Credit
First Business Bank

Valerie Reimink

Valerie Reimink

SBA Portfolio Manager
First Business Bank

Leawood, KS (Kansas City Metro)

Kristi Russell

Kristi Russell

SBA Loan Specialist
First Business Bank

Leawood, KS (Kansas City Metro)

Dave Schmidt

Dave Schmidt

SBA Business Development Officer
First Business Bank

Seattle, WA

Jeff Smith

Jeff Smith

Vice President – SBA Business Development Officer
First Business Bank

Chris Sorensen

Chris Sorensen

Director of SBA Servicing
First Business Bank

Leawood, KS (Kansas City Metro)

Sandy Willison

Sandy Willison

Director of SBA Closing
First Business Bank

Kamran, Zahid

Kamran, Zahid

SBA Business Development Officer
First Business Bank

NOTICE

Access to Online Private Banking is intermittently unavailable; users may not be able to access it at this time. We are working to restore access as soon as possible. If you have questions, please contact us at: 855-257-4149.

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NOTICE

Access to Online Business Banking is intermittently unavailable; users may not be able to access it at this time. We are working to restore access as soon as possible. If you have questions, please contact us at:

• Wisconsin Region: 608-232-5938
• Kansas Region: 913-717-6464

NOTICE

We apologize for the inconvenience, but the courier portal is currently down.  If you would like to schedule a courier service, please call:

  1. (608) 232-5938 (Madison)
  2. (262) 792-1400 (Milwaukee)

NOTICE

To protect clients and employees, we temporarily suspended courier service. For other deposit needs, please see your client email sent on 3/16/2020 for instructions regarding deposits at your local First Business Bank office.

To set up Mobile Banking, please contact our Treasury Management Support team at 608-232-5938. We will alert you when courier service is available again. Thank you.