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SBA Financing That Moves Your Business Forward
At Highland Bank our SBA team brings clarity, responsiveness, and real partnership to every conversation. Whether you’re purchasing a business, expanding your space, or supplementing cash flow, we’ll help you navigate the right SBA program—with transparent guidance from start to funding.
Why Work with Highland for Your SBA Loan?
Highland Bank has built a reputation as a leading SBA lender in the Twin Cities—because we understand small business, and we invest the time to understand your business. As an SBA Preferred Lender, we’re able to review and approve SBA requests directly, which speeds up the process and gives you a clearer, more confident path to “yes.”
SBA 7(a) Loan Program
Ideal for:
- Business acquisition
- Start‑ups
- Working capital
- Equipment
- Real estate purchase or renovation
- Refinancing existing debt
Why it works: Long terms, lower payments, and maximum structural flexibility.
SBA 504 Loan Program
Ideal for:
- Building or expanding facilities
- Purchasing owner‑occupied real estate
- Construction projects
- Major equipment investments
Why it works: Predictable payments + lower upfront costs.
SBA Express Loan Program
Ideal for:
- Financing inventory
- Bridging receivables
- Seasonal working capital
- Funding short‑term opportunities
Why it works: Faster review, flexible terms, and no heavy lift.
What to Expect When You Work With Highland Bank
The SBA process becomes simpler—and more empowering—when you have the right partner.
A banker who knows your business
You’ll work directly with a lender who brings SBA experience and local insight to every conversation.
A clear path from application to approval
We outline what you need, why it matters, and how to strengthen your file from day one.
Flexibility with repayment
Longer repayment terms and lower payments support cash flow—without prepayment penalties (except on commercial real estate).
Lower down‑payment requirements
Get started with as little as 10% down on many SBA projects, including acquisitions and real estate.
You’ve Got Questions – We Have Answers.
A:
You’ll receive an initial response within 48 hours once your application is complete.
A:
SBA Express offers up to $500,000, with revolving lines available up to 5 years, with another 5 years as a term loan if necessary.
A:
Almost anything your business needs—working capital, equipment, real estate, start‑ups, or acquisitions.
A:
No—except for certain commercial real estate loans.
A:
Many SBA loans require as little as 10% down, depending on the project.