SBA Lending Overview

​Bankers Trust is an SBA Preferred Lender (PLP)

As a preferred lender, Bankers Trust was chosen from among the SBA's best lenders to enjoy a full delegation of lending authority. Under this program, the SBA streamlines the procedures by giving us the authority to make the final credit decision.

Proactive Expertise

Since opening our doors to Iowans in 1917, Bankers Trust has set out to help the communities we serve flourish. We embrace the spirit of entrepreneurship and understand the importance of small businesses to our society and our economy. As Iowa’s largest community bank, Bankers Trust is able to be a constant resource for growth… just what you need.

What is SBA Lending

When a business applies for an SBA loan, it is actually applying for a bank loan that’s structured according to SBA requirements in pursuit of an SBA guarantee.

If you’re starting or expanding your business, the U.S. Small Business Administration (SBA) offers a number of different loan programs that can help you reach your goals. And Bankers Trust is your valued partner when it comes to understanding these options and finding what’s best for your business.

The SBA itself does not make direct loans to small businesses; instead it offers participating banks a repayment guarantee provided the lending bank agrees to conform to guidelines it sets forth. The amount of repayment guarantee offered is based upon the SBA loan program being used.

For the most part, Bankers Trust uses SBA loans to help mitigate collateral shortfalls and a variety of other risks (short time in business, low/no down payments, extended amortizations, businesses with higher than normal leverage, etc.).

SBA guarantee programs are available to for-profit businesses that meet the SBA’s eligibility requirements, which may vary some by loan type. Generally, to be eligible, the business must:

  • Be small, as defined by the SBA (varies by industry sector)
  • Not engage in prohibited activities
  • Be independently owned and operated
  • Not be dominant in its field
  • Meet SBA employment or sales standards
  • Not operate in an industry or for a purpose that is prohibited by SBA rules
  • Use proceeds of the loan for an eligible purpose

Our lending professionals at Bankers Trust have the knowledge and experience needed to help you determine whether your business meets SBA eligibility requirements.

SBA guaranteed loans can be made for up to $5 million. They can be used for a variety of purposes, some of which include:

  • Improving working capital
  • Purchasing equipment
  • Purchasing, renovating, expanding, and constructing owner-occupied real estate
  • Buying out a partner or partners
  • Transitioning ownership to the next generation
  • Acquiring a business
  • Supporting export sales

Only certain banks are invited by the SBA to participate in its programs. Bankers Trust has been approved to participate in multiple SBA programs, including:

CAPLines Program 

SBAExpress Program

7(a) Loan Program

504 Loan Program

Export Finance Programs

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 Lending Overview | Bankers Trust