Small Business Administration (SBA) Loans

Fueling Entrepreneurs for 11 Consecutive Years

Your business isn't just a job; it’s an engine. At SMCU, we provide the high-quality fuel you need to keep it running smoothly. We don't just see a loan application; we see a partnership.

Whether you’re a bold start-up or an established firm looking to scale, our SBA-backed lending program serves as a strategic tool to help you preserve capital and seize opportunities.

 

Partner with the #1 SBA Credit Union Lender in MA

Experience matters when navigating government-assisted programs. We are proud to announce that for the 11th year in a row, the SBA has named SMCU the #1 Credit Union SBA Lender in Massachusetts.

This isn't just a title, it’s a reflection of our unwavering dedication to the local economy. 

• Deep Expertise: We know the SBA process inside and out, meaning fewer hurdles for you.

• Proven Commitment: We’ve remained the state's most consistent credit union partner for small businesses for over a decade.

• Local Impact: Decisions are made right here in our community, not in a distant corporate headquarters.

 

Flexible Financing Built for Your Goals

SBA loans are designed for businesses that need competitive terms but might not fit the rigid criteria of traditional commercial lending.

Feature	Your Advantage
Lower Down Payments	Conserve your cash for daily operations.
Extended Terms	Enjoy lower monthly payments with longer maturities. Additional considerations taken when deciding maturity1
Versatile Usage	From real estate to "what-if" scenarios.
Local Processing	Quick turnarounds from an award-winning local team.

 

What Can You Achieve

Use our SBA program as a tool for virtually any business need:

• Commercial Real Estate: Purchase or renovate your own space.

• Construction: Build the foundation for your next chapter.

• Acquisition & Expansion: Buy out a competitor or open a second location.

• Equipment & Inventory: Get the tools you need to stay competitive.

• Working Capital: Maintain a healthy safety net for seasonal shifts.

 

Want to Get Started?

Work with a decade-plus of excellence. Our attentive, friendly team is ready to assist. Contact them today or Request Info.