I am a small business lender, using the SBA programs. I have more than 28 years' experience in this industry and, if my company is unable to provide the requested financing, I will attempt to identify an alternative. We can offer loans from $100,000 to $5 million for the purchase or refinance of owner-occupied commercial real estate, equipment, business acquisitions, expansions, franchises and start-ups. Terms range from ten to 25 years and, generally require a down payment of 20% (10% for real estate). We offer fixed and variable interest rates.