SBA 7(a)
Working capital, equipment, acquisition and refinancing up to the program maximum.
A government guarantee is not a shortcut. It is a structure.
SBA loans can make a sound business financeable on terms a conventional lender cannot offer. We explain the program, the paperwork and the real cost before anything is submitted.
SBA lending
A clear service, delivered by bankers
River Gem originates SBA 7(a), 504 and Express loans through an experienced government-guaranteed lending team. The banker who structures the loan stays through closing and servicing.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Review an SBA scenarioSBA loans are subject to SBA eligibility, credit approval and program rules. River Gem does not guarantee approval. Rates and fees are disclosed in the application and commitment documents.
The service
What is available
SBA 504
Long term, fixed rate financing for owner occupied real estate and heavy equipment.
SBA Express
A faster process for smaller revolving or term requests.
Working capital
Seasonal inventory, receivables and contract mobilization.
Acquisition
Finance the purchase of an existing operating business.
Owner occupied real estate
Purchase, construction or renovation of the premises the business uses.
What the process looks like
An eligibility conversation comes first. If the business and the use of funds fit the program, we collect the application, financial statements, tax returns and ownership documents, then submit to the SBA through the appropriate channel.
- Eligibility and use-of-funds review
- Financial statement and tax return packaging
- SBA submission and credit decision
- Closing, disbursement and servicing
What we will tell you plainly
SBA lending takes longer and costs more in paperwork than a conventional loan. It can still be the right structure, especially for real estate or a business acquisition. We will show the comparison rather than assume the guarantee is the answer.
Related services
Where this connects
Commercial lending
Conventional lines, term loans, equipment and real estate when SBA is not the right fit.
ExploreLending client portal
Track conditions, upload documents and message the lender in one secure file.
ExploreBusiness accounts
The operating and reserve accounts the loan is serviced from.
Explore
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.