We want your small business to have a fair shot — that’s why we offer this special, government-backed financing option.

Key Features

  • Competitive Rates
  • Lower Down Payments
  • Extended Terms

As an SBA Preferred Lender, we originate, underwrite, and approve loans directly on behalf of the SBA, resulting in quick decisions, approvals, and closings. 

  • Available for start-up businesses, as well as purchasing and refinancing existing businesses*
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity**
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

See our SBA Loan Request Checklist and Application (PDF).

Or, please call (813) 549-4763 to speak directly with Patrick Fenech, Director of American Momentum Bank SBA Lending.

7(a) loans are the most commonly-used and most flexible of the SBA loan programs. This program allows for terms up to 25 years on real estate and up to 10 years on all non-real estate loans. It features no balloon payments and a maximum loan amount of $5,000,000.

  • Real estate purchase, expansion, renovation
  • Machinery and equipment purchase
  • Existing debt refinancing
  • Business acquisition / partner buyout
  • Working capital
  • Leasehold improvements
  • Construction financing

The SBA 504 program is used for capital purchases — including owner-occupied commercial real estate and large equipment. This program allows for terms up to 20 years.

  • Real estate purchase, expansion, renovation
  • Equipment purchase
  • Construction financing

The SBA Express line of credit is used for short term working capital needs. The maximum loan amount is $350,000.

*All loans are subject to credit approval.

**Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

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