You've nurtured your idea into a business — continue to develop it with a government-backed SBA 7(a) loan. This unique program caters to those who meet the requirements of eligibility. Use an SBA 7(a) Loan to refinance fixed assets, tenant improvements, business acquisition, business expansion, and more. Contact Silvergate Bank today to get your business growing.

  • Special loan program for small and growing businesses
  • Guaranteed by U.S. Small Business Administration (SBA)
  • Provides fully amortized loan with favorable terms and rates
  • Minimal down payment (10% to 15%)
  • Underwriting can be based on projections
  • No Silvergate Loan Origination Fee charged, but there is an SBA guaranty fee ranging from 2% to 3.75% depending on loan size
  • Real estate financing for acquisition, refinance, construction, improvements for owner occupied properties: up to 25-year term, fully amortized
  • Debt refinance (up to seven to 25 years, fully amortized)
  • Equipment, inventory, and working capital (seven to ten years, fully amortized)
  • Size of loan: $5,000 to $5,000,000
  • Interest Rate: WSJP + 2.25% to 2.75% (variable rate/adjusts quarterly)
  • Local San Diego decision-making and processing
  • Personalized service at every step