Small Business Administration Loans

Opportunities for Everyone

We do what we can to make sure small business owners, like you, are in the best position to achieve your financial goals and realize your dreams. That’s why we’re proud to offer SBA loan options that have features you might not get with a conventional loan, like longer payback terms and higher borrowing limits.


SBA 504 Loan Program

Working with a Certified Development Company (CDC)—a private, non-profit corporation that contributes to the economic development of local communities—we’re offering loans with long terms and fixed rates to help small business owners buy real estate or equipment.

A Few Key Features & Benefits

  • Long-term, fixed rate financing
  • Lower equity requirement
  • Soft costs can be rolled into project financing

SBA 7(a) Loan Program

This most popular and most basic loan program provides a wide range of options for small businesses, including start-ups, existing businesses in underserved or rural areas, or military-owned businesses.

A Few Key Features & Benefits

  • Long-term financing
  • Fixed maturity
  • No balloon payments


Contact us about our full suite of SBA products, including SBA Express.


Spark Business Unlimited Checking
Enjoy unlimited business transactions.

Full-Service Merchant Services
Accept credit, debit, gift and loyalty card payments.

Cash Flow Management
Manage your income and payments electronically.

Business Benefits

All SBA 504 and SBA 7(a) Loans offer:

  • Longer payback terms
  • Higher borrowing limits than conventional products
  • More flexible standards for qualifying

Explore Your Options

Unfortunately, we don't have a location near you. But the good news is that you can still take advantage of products perfect for Small Business Banking. Check out Spark Business

Find a Location

Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank location.



To Qualify You'll Need To:

  • Be a for-profit business located in the U.S.
  • Meet eligibility requirements for SBA 504 Loans or for SBA 7(a) Loans
  • Get together with one of our professional business bankers at a Capital One® location

Visit www.sba.gov to obtain full details and restrictions on SBA sponsored guaranty and lending servicing fee waiver on 7(a) and Express loans of $150,000 or less.

Products and services are offered by Capital One, N.A., Member FDIC. ©2017 Capital One. Capital One. All rights reserved.

All loans are subject to credit and property approval. Small Business Administration (SBA) credit may not be extended if it is determined you do not meet SBA standards or collateral requirements. Additional qualification materials may be required. This does not represent a commitment to lend. If approved, your terms will vary based upon your specific situation. Lender fees will be charged in addition to SBA guaranty fee and vary depending on the loan you select. For example, you will be charged a packaging fee of up to $1,500 and other closing costs if you select a SBA 7(a) loan. If approved, your loan(s) longer than 15 years may be subject to prepayment penalties. Closing costs and other terms and conditions will apply based on the loan product and location or type of property. Please talk to a Capital One banker for more details applicable to your situation. Rates, fees, and terms are subject to change without notice.