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Why choose SBA loans?

If your business is looking for more flexible financing terms or doesn’t meet the strict requirements for conventional commercial loans, SBA funding programs may be an ideal fit. The government guarantee on SBA loans makes them easier to qualify for and more widely available.

Longer loan terms

Get lower monthly payments by spreading your balance over a longer period.

Competitive interest rates

SBA loans have a similar range of interest rates compared to more competitive traditional loans.

Low down payments

In most cases, SBA loans require less upfront investment than other business loans.


Check out the different programs available, then work with one of our experts to make sure you qualify:

Know your options

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7a Loans

Ideal for long-term financing at a fixed rate.

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504 Loans

Special support for qualifying restaurants and bars impacted by COVID-19.

Learn More 
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Get expert help

Connect with an SBA expert to learn more about which SBA loan is best for your business.

Connect with us 

Visit a Branch

Prefer to meet in person? Us too. Find a branch near you to learn more about SBA loan options.

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Current SBA guarantee fees and exceptions

Check the SBA website for current guarantee percentages and fees as well as information for veteran qualifications.

SBA Guarantee Fees and Information Notice


COVID-19 business support programs

While funding for the Payment Protection Program (PPP) has been exhausted, you may still apply for an Economic Injury Disaster Loan (EIDL). Agricultural businesses and nonprofit organizations are eligible. Visit the SBA website to learn more about low-interest Economic Injury Disaster Loans.  

Learn more about SBA Economic Injury Disaster Loans

If you received your PPP loan from 1st Security Bank and would like to apply for PPP loan forgiveness, please contact your 1st Security banker or email sbaloans@fsbwa.com to get started.