U.S. Small Business Administration (SBA) loans are a government-backed financing option designed to help small businesses thrive. Cooperative Business Services (CBS) helps businesses navigate the SBA loan process and secure funding through credit union partners for major assets, such as commercial real estate. Our expert team and nationwide credit union network give you access to financing with lower down payments and long-term stability.
SBA loans are government-backed financing options that help small and growing businesses secure affordable funding. These loans are ideal for small businesses that meet SBA standards. They are also particularly beneficial for those who may not qualify for traditional loans, as they reduce risk for lenders.
SBA programs typically require a smaller equity injection than conventional loans, allowing you to preserve more of your working capital for operations.
With repayment periods often extending up to 25 years, businesses can benefit from lower and more predictable monthly payments.
The SBA guarantee reduces risk for lenders, making it easier for a wider range of small businesses to qualify for funding.
When financing capital assets, including major equipment and real estate, businesses typically consider two loan options:
The best loan depends on the financial situation of your business and your operational goals.
For property-focused borrowers, the SBA 504 commercial real estate loan is among the best SBA loan options for financing owner-occupied real estate and major fixed assets. Business owners choose this program for:
The SBA 504 program finances owner-occupied commercial real estate projects and long-term fixed assets, including:
Starting your SBA loan application with CBS is a clear and simple process:
We review your project details and financial goals to help you determine if the SBA 504 program is the right fit and to confirm eligibility under SBA and credit union guidelines.
Our team guides you through all documentation requirements — including your business financial statements, tax returns, and business plan — to ensure your financial package is complete, accurate, and ready for submission.
We serve as your central point of contact, coordinating with all lending partners and required agencies to keep your application moving from approval to funding without unnecessary delays.
Secure business funding with CBS. We offer the connections and expertise you need for flexible SBA loans. Start your application today or contact us online to discuss the best SBA loan for your operations.
