Up to 90% LTV#1 SBA Lender Headquartered in San Diego*

As a Small Business Administration (SBA) “Preferred Lender,” Vibra Bank understands the financing needs of small and growing businesses alike.

Our knowledgeable experts take pride in delivering customized 7(a) and 504 loans to help your business prosper. As a locally headquartered bank, we are able to process loans more quickly and efficiently than many other SBA lenders.

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Contact our SBA Department for more information.

Someone will be in touch within 1 to 2 business days.

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619.651.9450

Vibra Bank can meet a variety of small business needs, including:

Franchise Financing

  • Up to 85% financing on start-ups and acquisitions
  • Terms up to 25 years
  • Management and/or direct industry experience

Medical Practice Financing (MD, Dentist, Veterinarian)

  • Up to 85% financing
  • Terms up to 25 years
  • As little as two years post residency

Commercial Real Estate Finance

  • Up to 90% financing
  • Terms up to 25 years

Construction Financing

  • Up to 90% financing
  • Terms up to 25 years
  • Single loan closing for construction and permanent loans

Business Acquisition Financing

  • Up to 85% financing
  • Terms up to 25 years
  • Industry experience required

Qualifications

Who is Eligible for an SBA Guaranteed Loan?
Most for-profit small businesses, including manufacturers, wholesalers, retailers and service businesses, as well as independent or
franchise businesses.

Loan Qualifications
The maximum tangible net worth of the applicant cannot be more than $15,000,000. The average net income after federal income tax for two full fiscal years before the date of the application cannot be more than $5,000,000.

Details

SBA 7(a) Loan Size

  • Loans from $150,000 to $5,000,000

Loan Fees

  • SBA guaranty fee
  • Fee may be financed in the loan

Use of Proceeds

  • Commercial real estate (purchase, construction or refinance)
  • Leasehold improvements
  • Business expansion
  • Machinery, equipment, furniture or fixtures
  • Business acquisition
  • Partner/shareholder buyout
  • Start-up (franchise, medical/professional practice)
  • Refinancing on eligible commercial mortgage loans

Collateral

  • First security interest in all business assets
  • First lien on business real estate
  • Personal assets (including residences) may be taken as collateral

Terms

  • Up to 25 years for real estate purchases
  • Up to 25 years for business acquisitions with real estate
  • Up to 25 years for franchise start-ups with real estate
  • Up to 10 years without real estate

Down Payments

  • As low as 10% for commercial real estate purchase
  • As low as 15% for business acquisitions
  • As low as 15% for business start-ups

SBA 504 Loan Program Overview
Vibra Bank – Small Business Lending partners with Certified Development Companies (CDC) to offer SBA 504 loans. These loans provide long-term fixed and variable rate financing to small business, requiring “brick and mortar” financing for expansion or modernization.

Program Highlights

  • Larger projects – up to $5,000,000
  • Longer loan terms – 20 to 25 years
  • Up to 90% financing

* SBA Rankings for Fiscal Year Sept. 30, 2012