FDIC-Insured - Backed by the full faith and credit of the U.S. Government

SBA Lending. Without the Runaround.

7(a) and 504 programs, handled by local people who know how to get deals done.

SBA financing can be one of the most powerful tools for small businesses: lower down payments, longer terms, and access to capital that conventional programs can't always provide. Echelon's SBA lenders have navigated the process many times over. We'll tell you which program fits, what to expect, and how to position your deal for the best outcome.

SBA 7(a) and 504 Loans

Two Programs. One Local Team.

SBA 7(a) Loans — Flexible financing for a wide range of business purposes, including working capital, equipment, real estate, and acquisitions.

SBA 504 Loans — Long-term, fixed-rate financing for major fixed assets like real estate and heavy equipment.

  • Why Echelon:
  • Lower down payment requirements than conventional loans
  • Longer repayment terms for better cash flow management
  • Experienced SBA lenders and honest guidance on which program fits
  • Local support from application through closing

Talk to an SBA Lender

Tell us a bit about your business and what you're looking to finance. One of our SBA lenders will reach out within one business day.

Prefer to talk now? Call us or stop by any of our offices in Feather Sound, Bayshore, or Tarpon Springs.

Not sure which program fits? Let us help! In general, 7(a) loans cover working capital, equipment, acquisitions, and most everyday financing needs, while 504 loans are built for big fixed assets like owner-occupied real estate. We'll walk through your plans and tell you honestly which one makes sense, and what to expect from the process.

Have your basics handy when we talk: how long you've been in business, roughly what you're looking to borrow, and what the funds are for. That's enough for a first conversation. No polished business plan required.

Not ready to apply?

No problem. We're happy to walk through whether a 7(a) or 504 loan fits your plans, even if you're just exploring.

SBA Inquiry

Tell us how we can help and we’ll be in touch.