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SBA Resource Center

The Flexible Choice

SBA qualifying standards are flexible with good personal and business credit histories and a demonstrated ability to make timely payments. In fact you can use personal assets and your personal guarantee* to help qualify.

Collateral Loan-to-value
Real Estate Up to 90%
Equipment Up to 80%
Accounts Receivable & Inventory Up to 70%

* Persons with 20% or more ownership will need to provide a personal guarantee.

"Bank of the Sierra has knowledgeable officers that are interested in small business. They listen to your dreams and provide the financing to realize them."

- Specialized Printing & Promotions, Inc. Clovis
 
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