SBA Loans

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Realize your dream of becoming a business owner with a little help from Century Bank of Georgia. We partner with the U.S. Government to provide a variety of special programs designed to help small and growing businesses.

Enjoy competitive rates, local service, and a variety of SBA financing programs with Century Bank of Georgia. We offer a variety of loans including the SBA 7(a) Term loan and the SBA 504 Term loan. We are an SBA preferred lender – which means decisions are made locally and quickly – we are excited to help you succeed.

SBA loan programs can help qualified businesses obtain financing even when their collateral may not meet conventional lending standards. Century Bank of a Georgia is a SBA Preferred Lender — which means we know our stuff — and we're excited to help you succeed. Secured funds, backed by the Small Business Administration, can be used for start-ups, working capital, business acquisition, real estate — pretty much anything you and your small business need.

Keep cash in your business

  • Low monthly payments and flexible terms – as long as 10 years for equipment and working capital, and up to 25 years for real estate
  • Low down payment required
  • Allows for up to 90% financing
  • Ability to finance closing costs versus paying them out of pocket

Flexible terms

  • Option for interest only periods
  • No balloon payments necessary
  • Limited pre-payment penalties

Minimal costs

  • Minimal loan packaging and SBA guaranteed fees
  • No points or origination fees
  • Interest rate caps based on deal size

Local experts

  • Lending professionals with working knowledge of the North Georgia market
  • Friendly, local service from start to finish

For everything from purchasing real estate and equipment to working capital for everyday expenses, count on an SBA 7(a) to open the doors for your business.

  • Designed for the needs of small businesses* looking to: 
    • Expansion or renovation of an existing building
    • Construction of a new facility
    • Purchase land and existing building
    • Purchase equipment, inventory, and fixtures
  • Terms up to 10 years for working capital
  • Terms up to 25 years for fixed assets
  • Backed by the U.S. Small Business Administration (SBA)
  • Start-up businesses
  • Affordable payments
  • Competitive rates
  • Easy to apply
  • Attentive, friendly service from start to finish
*As defined by the SBA.

Also Called the Certified Development Company (CDC) Program, SBA 504 loans provide long-term, below market, fixed rate financing for major fixed finances and real estate.

  • Designed for the needs of small businesses* looking to:
    • Construction of new facilities
    • Renovating or converting of existing facilities
  • Flexible terms
  • Backed by the U.S. Small Business Administration (SBA)
  • Affordable payments
  • Competitive rates
  • Easy to apply
  • Attentive, friendly service from start to finish
*As defined by the SBA.
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