SBA Resource Center

SBA Loan Advantages
An SBA Loan from Bank of the Sierra provides you many advantages over traditional business loans.

Longer Repayment Terms
Since SBA loans grant longer terms, your monthly payment is lower - improving your cash flow.

Lower Down-Payment
SBA loans allow higher LTV ratios-up to 90% depending on loan request.

Income Projected
SBA uses historical cash flows to project future sales - helping you qualify for your future growth.

No Balloon Payment
SBA loans are fully amortized.

"SBA funding helped us expand to the next level, and Bank of the Sierra helped us every step of the way." - B & K Moses, Inc. "Clearwater Plumbing" Fresno