SBA 7(a) Loan Program

​​Bankers Trust uses the most popular SBA loan, the 7(a) Loan program, for multipurpose term loans of up to $5 million.


The 7(a) Loan Program is the SBA’s most popular program. Loans up to $150,000 come with as much as an 85 percent guarantee. Larger loans can be taken with as much as a 75 percent guarantee. The maximum 7(a) loan amount is $5 million. There is no minimum loan amount. These multi purpose loans are typically taken out for reasons such as:

  • Providing permanent working capital
  • Making equipment purchases 
  • Funding owner-occupied real estate purchases, renovations, and expansions 
  • Buying out a partner
  • Transitioning ownership to the next generation
  • Acquiring a business
  • Starting a business

7(a) loans are term loans with regular monthly payments of principal and interest and an established maturity date. These loans are fully amortizing, and loans under 10 years never have prepayment penalties.

Interest rates for 7(a) loans can be fixed or variable and cannot exceed SBA maximums. Bankers Trust will work with you to ensure your needs are being addressed and you understand the details of your loan.

The SBA guarantee is not a substitute for collateral on a 7(a) loan, and the SBA expects each loan to be prudently secured. However, the SBA does not decline requests to guarantee loans if the only unfavorable factor is insufficient collateral, provided you have offered all available collateral to secure the loan. We’ll make sure all the pieces are in place to assure your loan process goes smoothly.​

Small Business

​The Bankers Trust Education Center contains resources to help you start, grow and manage your business with a strong financial foundation.

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SBA 7a Loan | Bankers Trust