SBA Loans: Flexible Financing Solutions

An Attractive Alternative to Conventional Borrowing

Because SBA (Small Business Administration) loans provide access to capital without the need to sacrifice equity. Meridian’s experienced team of SBA lenders offers SBA 7A and 504 loans to businesses and entrepreneurs to help them achieve a wide variety of business goals.

The benefits of SBA loans include:

High leverage with minimal cash investment
Longer terms to minimize debt service
Flexible underwriting requirements
Easier qualification
Lower down payments
Less collateral than most standard conventional loans

As the Top SBA Lender in Eastern Pennsylvania and a Top 50 SBA Lender in the Nation, Meridian Bank’s SBA lending team has provided financing to thousands of business owners and entrepreneurs nationwide. Our goal is to ensure the success of your venture through bespoke financing, reliable experience, and a quick closing.

An SBA loan from Meridian Bank can be used to:

Up to $10 million
Up to 90% financing
Up to 25 years fully amortized
Owner-user to occupy at least 51% of existing building and at least 67% of new construction
First and second mortgages are assumable to qualified borrowers

Up to $5 million
Up to 90% financing (10% cash down)
Up to 10 years fully amortized

Up to $5 million
Up to 25 years fully amortized for real estate
Up to 10 years fully amortized for non-real estate

Up to $5 million
Up to 100% financing
Up to 10 years fully amortized

Up to $5 million
Includes line of credit
Up to 10 years fully amortized

Up to $5 million
Finance the start-up of a franchise: purchase, renovate, construct and refinance
Loan amounts from $350,000 to $5 Million
Loan terms from 7 to 25 years
Highly competitive rates and fees
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Loan amounts from $50,000 to $500,000
Loan terms up to 7 years
Great option for small businesses who need financing decisions quickly
Loan can also be used as a revolving line of credit

Loan amounts up to $500,000
Line of credit or term loan
Designed specifically for exporters with at least 1 year in business

Loan amounts from $5 million
Designed for larger exporters in need of working capital to support sales

Loan amounts from $350,000 to $5,000,000
Loan terms from 7 to 25 years
Loan can be used to fund working capital, equipment and/or real estate to support growing export sales and international trade

Supports small businesses meet their short term working capital needs.
Businesses must have been operating for at least one year. The CAPLine program features multiple lines of credit for specific uses:
Working CAPLine: Secured by your receivables and inventory
Contract CAPLine: Finances up to 100% of labor and material costs to fulfill a specific contract
Seasonal CAPLine: Finances seasonal increases of inventory or increased labor costs

For real estate acquisition or expansion; working capital; purchase of business, machinery, equipment, furniture and/or fixtures
Up to $10 million
Up to 90% financing
Up to 30 years fully amortized for real estate
Up to 15 years fully amortized for equipment
Owner-user occupied real estate

Recent Deals

Glass Manufacturer

South Jersey

$1,150,000 SBA 7(a) Loan and $200,000 Line of Credit

Business acquisition of local competitor
Current Meridian customer who used SBA financing for strategic growth purchase
90% loan to total project costs with full 10-year term and amortization

Childcare Center

Allentown, PA

$675,000 SBA 7(a) Loan

Commercial real estate purchase and business acquisition of facility nearby their current location
Referred to Meridian by their commercial realtor
90% loan to total project costs with full 25-year term and amortization

Private Practice Attorney

Philadelphia, PA

$950,000 SBA 7(a) Loan

Commercial real estate purchase of existing leased location
PPP customer who switched to Meridian from a large national bank
95% loan to total project costs with full 25-year term and amortization

Dance Academy

Hershey, PA

$855,000 SBA 7(a) Loan

Commercial real estate and business purchase
Referred to Meridian by seller’s wealth advisor
90% loan to full project costs with full 25-year term and amortization

Restaurant & Caterer

Maryland

$4,990,000 SBA 7(a) Loan

Commercial real estate purchase of existing leased location
Refinanced current business debts
95% LTV with full 25-year term and amortization

Biotech Company

Delaware County, PA

$1,350,000 SBA 7(a) Loan

Commercial real estate acquisition, property improvements and equipment purchases
Referred to Meridian by commercial real estate broker
90% loan to full project costs with full 25-year term and amortization

Music School Franchise

Princeton, NJ

$725,000 SBA 7(a) Loan

Commercial real estate purchase
95% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Manufacturing Co

Telford, PA

$1,180,000 SBA 7(a) Loan

Business acquisition and commercial real estate purchase
90% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Financial Planner

Plymouth Meeting, PA

$950,000 SBA 7(a) Loan

Commercial real estate purchase and construction financing to purchase and improve a historic office building
95% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Warehouse & Port Storage Facility

Camden, NJ

$1,500,000 SBA 7(a) Loan

Commercial real estate purchase and construction financing
Business expansion from Philadelphia location
95%+ loan to gross project costs financed

Manufacturing Company

Seaford, DE

$3,000,000 SBA 7(a) Loan

15-year term and amortization provided
Full balance sheet consolidation – refinanced all current business debts
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

IT Consulting Firm

Chatham, NJ

$1,100,000 SBA 7(a) Loan

Full balance sheet consolidation – refinanced all current business debts
10-year term and amortization provided
Meridian also provided an SBA Express Line of Credit to help manage cash flow and continued growth

Podiatry Practice

Lansdale, PA

$540,000 SBA 7(a) Loan

Commercial real estate purchase and practice acquisition
25-year term and amortization provided to maximize cash flow
90% loan to gross project costs financed

Contractor Supply Company

Berlin, NJ

$1,450,000 SBA 7(a) Loan

Commercial real estate purchase and property improvements
Customer previously worked with Meridian’s SBA team to buy-out former partner
95% loan to gross project costs financed

Automotive Repair Shop

Camden County

$1,500,000 SBA 7(a) Loan

Commercial real estate purchase and business acquisition
Customer purchasing their third location to grow on the success of their first two shops
90% loan to total project costs with full 25-year term and amortization

Indoor Play Space

Montgomery County

$1,730,000 SBA 7(a) Loan

Commercial real estate purchase and property improvements
Customer relocating their business to a new location in order to control real estate needs
90%+ loan to total project costs with full 25-year term and amortization

Glass Manufacturer

South Jersey

$1,150,000 SBA 7(a) Loan and $200,000 Line of Credit

Business acquisition of local competitor
Current Meridian customer who used SBA financing for strategic growth purchase
90% loan to total project costs with full 10-year term and amortization

Childcare Center

Allentown, PA

$675,000 SBA 7(a) Loan

Commercial real estate purchase and business acquisition of facility nearby their current location
Referred to Meridian by their commercial realtor
90% loan to total project costs with full 25-year term and amortization

Private Practice Attorney

Philadelphia, PA

$950,000 SBA 7(a) Loan

Commercial real estate purchase of existing leased location
PPP customer who switched to Meridian from a large national bank
95% loan to total project costs with full 25-year term and amortization

Dance Academy

Hershey, PA

$855,000 SBA 7(a) Loan

Commercial real estate and business purchase
Referred to Meridian by seller’s wealth advisor
90% loan to full project costs with full 25-year term and amortization

Restaurant & Caterer

Maryland

$4,990,000 SBA 7(a) Loan

Commercial real estate purchase of existing leased location
Refinanced current business debts
95% LTV with full 25-year term and amortization

Biotech Company

Delaware County, PA

$1,350,000 SBA 7(a) Loan

Commercial real estate acquisition, property improvements and equipment purchases
Referred to Meridian by commercial real estate broker
90% loan to full project costs with full 25-year term and amortization

Music School Franchise

Princeton, NJ

$725,000 SBA 7(a) Loan

Commercial real estate purchase
95% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Manufacturing Co

Telford, PA

$1,180,000 SBA 7(a) Loan

Business acquisition and commercial real estate purchase
90% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Financial Planner

Plymouth Meeting, PA

$950,000 SBA 7(a) Loan

Commercial real estate purchase and construction financing to purchase and improve a historic office building
95% loan to gross project costs financed
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

Warehouse & Port Storage Facility

Camden, NJ

$1,500,000 SBA 7(a) Loan

Commercial real estate purchase and construction financing
Business expansion from Philadelphia location
95%+ loan to gross project costs financed

Manufacturing Company

Seaford, DE

$3,000,000 SBA 7(a) Loan

15-year term and amortization provided
Full balance sheet consolidation – refinanced all current business debts
Meridian also provided an SBA Express Line of Credit to help manage operational cash flow

IT Consulting Firm

Chatham, NJ

$1,100,000 SBA 7(a) Loan

Full balance sheet consolidation – refinanced all current business debts
10-year term and amortization provided
Meridian also provided an SBA Express Line of Credit to help manage cash flow and continued growth

Podiatry Practice

Lansdale, PA

$540,000 SBA 7(a) Loan

Commercial real estate purchase and practice acquisition
25-year term and amortization provided to maximize cash flow
90% loan to gross project costs financed

Contractor Supply Company

Berlin, NJ

$1,450,000 SBA 7(a) Loan

Commercial real estate purchase and property improvements
Customer previously worked with Meridian’s SBA team to buy-out former partner
95% loan to gross project costs financed

Automotive Repair Shop

Camden County

$1,500,000 SBA 7(a) Loan

Commercial real estate purchase and business acquisition
Customer purchasing their third location to grow on the success of their first two shops
90% loan to total project costs with full 25-year term and amortization

Indoor Play Space

Montgomery County

$1,730,000 SBA 7(a) Loan

Commercial real estate purchase and property improvements
Customer relocating their business to a new location in order to control real estate needs
90%+ loan to total project costs with full 25-year term and amortization