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Our suite of business loans enables you to fulfill your business needs, with straightforward terms and great rates.

Small Business Administration (SBA) Loans

SF Fire Credit Union is proud to offer four Small Business Administration related loan options to our members.

What is the Small Business Administration (SBA)?

The SBA provides flexible options that can be used for working capital, business debt refinance, equipment, expansion, acquisitions, franchise financing, commercial real estate and other financing needs. These loans are more flexible options since they are partially guaranteed by the Small Business Administration — you can leverage lower monthly payments, longer repayment terms and direct financing of any applicable fees..

Other SBA Loan types we offer include:

SBA Express

  • Loans up to $350,000
  • 50% guaranty by the Small Business Administration
  • A streamlined SBA loan application process, and fast turnaround time.
  • These loans may be used for revolving lines of credit or for a term loan (up to 7 year maturity).

Small Loan Advantage (SLA)

  • Loans up to $350,000
  • 85% guaranty for loans of $150,000 or less, 75% guaranty for loans greater than $150,000
  • Longer terms and larger amounts compared to the SBA Express Loan
  • Fixed maturity
  • No balloons
  • No prepayment penalty (under 15 years)

SBA 7(a) Loans

  • Term loans up to $5 million
  • 85% guaranty for loans of $150,000 or less, 75% guaranty for loans greater than $150,000
  • Longer terms and larger amounts compared to the SBA Express Loan
  • Fixed maturity
  • No balloons
  • No prepayment penalty (under 15 years)

SBA 504 Loans

  • Fixed-term loans up to $5 million
  • Competitive terms & conditions
  • Provided through Certified Development Companies (CDC’s) which are licensed by the SBA
  • Long-term, fixed asset loans
  • Financing secured by first lien on project assets
  • Full amortization
  • No balloons

To Learn More or Apply

Contact us to learn more, or to schedule an appointment for a time (and at a location) that’s convenient for you:

  • Herman White, Vice President of Business Services
  • Phone: (415) 674-4808 Email: hwhite@sffirecu.org