The Right Loan for Your Business

Let’s explore your financing options

At UBT, your money has let’s get it done people. So if your small business is ready to grow, we’re ready to help you find financing that fits. Tell us about yourself, your business, and your goals, and one of our experienced small business team members will be happy to help you through the rest of the process.

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Business Lending

Make sure you have what you need to apply

Whether you’re just starting your business or contemplating growth and expansion, we know you have plans — big plans. If it’s time to secure financing to help your business grow and thrive, there are things you’ll need to know and prepare ahead of time — and our handy checklist can help.

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Small Business Financing Options

Let’s break it down

Small Business Loans
How to Get a Small Business Loan

For established businesses

Conventional business loans are great for businesses with an established credit history and proven financial success. These loans can be used to expand your business, purchase equipment, or consolidate business debt. We’re ready to help when you’re ready to grow.

Straightforward application process

One-time transaction for a set amount

Adaptable to fit the needs of your business

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Small Business Administration (SBA) Loans
How to Get an SBA Loan

For new or quickly growing businesses

As an SBA Preferred Lender, UBT can directly approve loans, which means a much quicker and smoother approval process for you. SBA loans are ideal for newer businesses with little or no credit history, providing you the resources you need to hit the ground running.

Favorable terms (up to 25 years); lower monthly payments

Lower down payments and greater flexibility

Great for a recently established or quickly growing company

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Small Business Lines of Credit
How to Get a Small Business Line of Credit

For covering the gaps

Lines of credit work a lot like a business credit card — you decide how much to borrow within your limit and how much to pay back month to month. This option is ideal for businesses with seasonal fluctuations in revenue, longer gaps between income, or expanding inventory, among other uses.

Quick access to funds

Flexibility for repayment

Typically more favorable interest than credit cards

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