SBA Loans

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Find out if a Small Business Administration (SBA) loan might be right for your business.

Small Business Administration (SBA) loans can be used to start or acquire a business, purchase equipment, and refinance or acquire inventory or working capital. We will partner with you to determine if an SBA loan is right for you. We provide financing for Standard SBA 7(a), SBA Express, and SBA 504 Programs.

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SBA 7(a) loans for up to $5 million can be used by eligible for-profit businesses for commercial real estate, construction or renovation, purchase of machinery or equipment, purchase of furniture or fixtures, working capital, inventory, a line of credit, refinancing existing debt, and purchasing eligible businesses.

SBA 504 loans must be used for fixed asset projects such as purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping, and construction of new facilities.

Benefits include: 

  • Acquire machinery, equipment, or other assets with fixed monthly payments.
  • Increase your working capital to help you grow your business.
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently.

Fair Lending/Fair Housing Statement

Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending and fair housing laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending and fair housing is a good business practice as well as a basic responsibility of the company.  The Bank's success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.

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