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    SBA Lending

    Access the capital you need to expand an existing business, create permanent working capital and consolidate debt, and finance owner-occupied CRE. CIT Bank is an SBA Preferred Lender.

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  • SBA Lending

    We offer SBA 7(a), SBA 504 and owner-occupied commercial real estate loans for the purchase or refinancing of owner-occupied commercial real estate, financing of equipment, acquisitions, business expansions and working capital.

    Products & services

    • SBA 504 loans can be used to purchase or refinance owner-occupied commercial real estate or fixed equipment in conjunction with a CDC and SBA.
    • Owner-occupied commercial real estate loans can be used to purchase an owner-occupied commercial property or refinance an existing property.
    • SBA 7(a) loans can be used for the purchase or refinance of owner-occupied commercial real estate, to buy or refinance equipment, to acquire another business or expand your existing business, or to create permanent working capital.

    SBA 7(a) Loans

    • California transactions only
    • Loan amounts: Up to $5 million.
    • Loan terms: Up to 25 years for buying or refinancing real estate. Up to 10 years for equipment and working capital.
    • Ideal for: Expanding your business by purchasing new commercial real estate, refinancing commercial real estate, buying equipment, and accessing working capital.

      SBA 504 Loans

      • Available in all non-judicial states*
      • Loan amounts: From $250,000 to up to $13.75 million.
      • Loan terms: Up to 25 years for buying owner-occupied commercial real estate.
      • Ideal for: Purchasing or refinancing owner-occupied commercial property.

        Conventional Owner-Occupied CRE

        • California transactions only
        • Loan amounts: From $250,000 to up to $10 million.
        • Loan terms: 10 years for buying or refinancing owner-occupied commercial real estate.
        • Ideal for: Purchasing or refinancing owner-occupied commercial property without the assistance of SBA.

      • Member

        Solutions you can trust

        CIT’s SBA lending products are provided by CIT Bank, N.A.

      • Contact us today

        Our SBA lending team is staffed with highly experienced SBA professionals who specialize in SBA 7(a), SBA 504 and owner-occupied commercial real estate loans to meet the needs of growing small businesses.