Small Business Administration (SBA) LendingSBA-Lender-symbol

Need funds to start up a new business or expand your existing one?  How about purchasing commercial real estate, building a new facility or upgrading aging equipment? BCT is here to help!

When it’s time to go to the next level for your small business, a U.S. Small Business Administration (SBA) loan from BCT may be the perfect solution.  

Loans from an SBA program can offer:

  • Longer repayment terms, lower down payments, inclusion of closing costs all of which can make financing more accessible.
  • Our SBA Lending team has the experience and personal touch to help simplify the process.  They can also arrange to open other convenient business accounts and services for a seamless and hassle-free banking experience. 

What are your options?

There are several different types of SBA lending programs.  The primary difference between the two main programs are:

SBA 7(a) 
The 7(a) program is SBA’s most common loan program and has the most flexibility in the use of proceeds.  This program can be used for short and long-term working capital, refinance of business debt and the purchase of inventory, furniture, fixtures and equipment.  The 7(a) program includes both term loans and revolving lines of credit to meet your needs.

SBA 504
The 504 program is designed to finance the purchase of existing buildings and land, build new facilities and purchase long-term machinery and equipment.  Down payments can be as low as 10% but can go up to 20% if the business is a startup or the property is considered “special-use.”  This program offers low interest rates for 10 to 25 years on the SBA portion and conventional interest rates on the Lender’s portion.

Get Started Today!

Contact one of our SBA Lending team members below or request an appointment.  We'll make the process easy!  

NOTE:  Credit is subject to approval.  BCT is approved to offer SBA loan products under SBA’s Express and 7a programs.  

Meet Our Team


Michelle Douglas / SVP, SBA Program Manager

681-252-4233 | Email 

make appointment


Kate Ryan / AVP, Commercial Relationship Manager

703-443-4483  | Email



Teri Tosti / SVP, Commercial Relationship Manager

540-361-2612 | Email