Small Business Administration (SBA) FAQs

After an SBA credit application is approved, KeyBank provides the loan and the SBA guarantees a portion of it. This guarantee is important because it gives banks an incentive to loan money to small businesses that might not qualify for traditional loans. The loan helps the small business fund and expand their company.

SBA loans offer funding for specific small business needs, as well as real estate purchases and operating capital. SBA loans include longer terms, more flexible repayment options, lower down payments and improved cash flow compared to conventional loans.

The SBA offers a range of loans to meet diverse business needs. Learn more about KeyBank’s SBA loan options.

Our SBA Specialists can sit down with you and look at your business’ needs to determine what SBA loan program requirements you may meet and what would be the best choice for you.

KeyBank is one of the country’s top lenders to small business and we’ve been consistently recognized for our dedication to SBA programs. KeyBank has held the Preferred Lender designation since 1997.¹

Loan rates will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history and amount of credit requested. Please talk to a local banker for information on the most current rates.