What is an SBA Loan?

An SBA loan is a small business loan that is guaranteed through one of the government’s Small Business Administration financing programs. Qualified entrepreneurs can secure loans of up to $5 million to start, grow, or buy a business. SBA Loans funded through the SBA loan programs come with extended repayment terms, competitive rates, and other business-friendly benefits.

How an SBA Loan Can Help Move Your Business Forward

Affordable loan terms.

Extended maturities to preserve cash flow.

Lower collateral requirements.

Flexible use of proceeds.

Types Of SBA Loan Programs

Work with One of the Nation’s Top SBA Lenders

  • Preferred SBA Lender

    Experience a safe, streamlined loan process

  • Experienced

    We’ve helped businesses secure over $550 million in funding through SBA loans

  • Expertise

    A team of dedicated lending experts to guide you through the process

  • Community Driven

    A bank with a community feel and national reach, providing financial solutions since 1922

Hear From Our Customers

“Working with West Town Bank was an incredible experience. They presented options other lenders didn’t, which really made me feel confident about the product we used and the decision to buy. The team was there keeping me updated throughout the process and have been a great resource when needed after closing. They couldn’t have handled things better and I would highly recommend them to anyone.”

Headshot of Doug Yopp, SBA Loan Recipient and Entreprenuer

– Doug Yopp, Owner

Read More Customer Stories

Apply for Financing: the SBA 7(a) Loan Application at West Town Bank & Trust

Thank you for your interest in small business financing. Please complete the SBA loan application below. A member of our team will reach out shortly to discuss your options for small business financing.

More Resources for Business Owners

Learn How to Use an SBA Loans to Grow Your Business

SBA Small Loan Monthly Payment Calculator


Disclosure: Monthly payment calculations are estimates only and may vary. The below calculator assumes a 10-year term, fully amortizing loan, for working capital, debt refinancing, equipment purchases or business acquisitions only.  SBA 7(a) loans under $350,000 through West Town Bank & Trust typically have a variable rate of WSJ Prime + a rate that will never exceed 2.75%.  Fees and closing costs will be deducted from loan proceeds at time of funding. There are no prepayment penalties and the loan may be paid-off at any time. The SBA charges a guarantee fee (with some exceptions for borrowers located in Rural or HUBZone areas) which varies by loan size and is not included in the below calculation.