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SBA Lending

Access the capital you need to expand an existing business, create permanent working capital and consolidate debt, and finance owner-occupied CRE. CIT Bank is an SBA Preferred Lender.

SBA Lending

We offer SBA 7(a), SBA 504 and owner-occupied commercial real estate loans for the purchase or refinancing of owner-occupied commercial real estate, financing of equipment, acquisitions, business expansions and working capital.

Products & services

  • SBA 504 loans can be used to purchase or refinance owner-occupied commercial real estate or fixed equipment in conjunction with a CDC and SBA.
  • Owner-occupied commercial real estate loans can be used to purchase an owner-occupied commercial property or refinance an existing property.
  • SBA 7(a) loans can be used for the purchase or refinance of owner-occupied commercial real estate, to buy or refinance equipment, to acquire another business or expand your existing business, or to create permanent working capital.

SBA 7(a) Loans

  • California transactions only
  • Loan amounts: Up to $5 million.
  • Loan terms: Up to 25 years for buying or refinancing real estate. Up to 10 years for equipment and working capital.
  • Ideal for: Expanding your business by purchasing new commercial real estate, refinancing commercial real estate, buying equipment, and accessing working capital.

    SBA 504 Loans

    • Available in all non-judicial states*
    • Loan amounts: From $250,000 to up to $13.75 million.
    • Loan terms: Up to 25 years for buying owner-occupied commercial real estate.
    • Ideal for: Purchasing or refinancing owner-occupied commercial property.

      Conventional Owner-Occupied CRE

      • California transactions only
      • Loan amounts: From $250,000 to up to $10 million.
      • Loan terms: 10 years for buying or refinancing owner-occupied commercial real estate.
      • Ideal for: Purchasing or refinancing owner-occupied commercial property without the assistance of SBA.

      Member

      Solutions you can trust

      CIT’s SBA lending products are provided by CIT Bank, N.A.

      Contact us today

      Our SBA lending team is staffed with highly experienced SBA professionals who specialize in SBA 7(a), SBA 504 and owner-occupied commercial real estate loans to meet the needs of growing small businesses.