SBA Loans
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Top 5 SBA franchise loan lender*
+$600 million franchise loans funded
+$2 billion in SBA loans since 2020
+2,000 SBA loans funded since 2020
Learn About SBA Loans From an Expert
Talk to an SBA loan expert today. Learn about 7a loans which are shorter term and more flexible, 504 loans which are longer term and typically for real estate and how to find working capital for your business.
SBA Loans
SBA government loans can be used for business expansion, purchasing real estate, equipment purchase and many other purposes. We make loans to more than 40 industries.
SBA Loans
SBA government loans can be used for business expansion, purchasing real estate, equipment purchase and many other purposes. We make loans to more than 40 industries.
SBA 7a Loans
SBA 7a loans are US government backed loans that can be used for tenant improvements, equipment purchase, location expansion, partner buyout and much more.
SBA 7a Loans
SBA 7a loans are US government backed loans that can be used for tenant improvements, equipment purchase, location expansion, partner buyout and much more.
SBA 504 Loans
SBA 504 loans are the popular option for buying commercial real estate and longer term purchases for your business. They are less flexible but have below-market fixed interest rates.
SBA 504 Loans
SBA 504 loans are the popular option for buying commercial real estate and longer term purchases for your business. They are less flexible but have below-market fixed interest rates.
SBA Working Capital Loans
SBA 7a loans are US goverment backed loans that can be used for short-term operational expenses, such as rent, payroll, permits, licensing, marketing, inventory and much more.
SBA Working Capital Loans
SBA 7a loans are US goverment backed loans that can be used for tenant improvements, equipment purchase, location expansion, partner buyout and much more.
USDA Loans
USDA loans are made through the U.S. Department of Agriculture and are designated for communities under 50,000. They are known for longer loan terms and lower down payments for rural small businesses.
USDA Loans
USDA loans are made through the U.S. Department of Agriculture and are designated for communities under 50,000. They are known for longer loan terms and lower down payments for rural small businesses.
SBA Loan Articles
7a Loans Guide
Learn about 7a loans in detail from the experts
504 Loans Guide
Check out our comprehensive guide to SBA 504 loans
7a vs 504 Loans
Understand the two main SBA loan types
Client Success Stories
Learn the details of many of our clients’ SBA loans
SBA Loans By Industry
We support over 30 industry verticals for SBA loans
SBA Loans By Use of Funds
SBA loans can be used for almost any business purpose
SBA Loan Articles
Check out dozens of articles explaining SBA loans
SBA Loans for Veterans
Learn about our extensive SBA loan benefits for vets
SBA Loans for Franchises
We are one of the top SBA franchise lenders in the country
SBA Loans ePubs
Download our free SBA loan ePubs to learn more
7a Business Loans
A 7a business loan can change your business or help you start one.
SBA 7a Loan Terms
SBA 7a loan terms can really help your business – find out how!
SBA 7a Loan FAQ
Find the answers to 100 frequently asked questions on SBA 7a loans.
SBA 7a Down Payment
Understanding how an SBA 7a down payment helps your business grow.
SBA 7a Loan Programs
SBA loan programs provide billions annually to U.S. business owners.
SBA 7a Loan Application
Learn how to fill out an SBA 7a loan application from an expert.
What Our Customers Say
Gave Me the Confidence I Needed
Huge thanks to Tammy and Brandi. Tammy was my first point of contact and gave me the confidence I needed since there isn't a local branch near where I live. Brandi has been answering ALL my questions since and has excellent follow up and has taken great care of me.
— Michele Houston
Genuinely Interested in Helping My Business Succeed
First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed.
— Don Kamb
Exceptional Service
I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently.
— Bryan Crowe
Real business owners. Real results.
Woof Gang Bakery SBA Loan Case Study
After years in HR, Kasia followed her passion for animals and, with a $345K SBA loan from First Bank of the Lake, quickly launched her Woof Gang Bakery & Grooming franchise — already nearing breakeven just months in.
Tint World SBA Loan Case Study
After losing his wife, a friend, and his life savings, Dan Billings reinvented his life with a Tint World franchise — and with guidance and an SBA loan from First Bank of the Lake, his business is thriving and he’s already eyeing a second location.
Lifetime Green Coatings SBA Loan Case Study
Father and son duo Barry and Parker Norfleet launched six Lifetime Green Coatings franchises with a $400K SBA loan from First Bank of the Lake — quickly setting up operations and nearly breaking even within just three months.