SBA loans

Our Small Business Administration (SBA) loan program can help provide the financing you need to start or expand your business.

Use an SBA loan to help grow your business

Insightful expert advice

Our SBA lending team is here to support you with any challenges your business may be facing. Plus, we're ranked among the top 10% of SBA lenders nationally. 1

Flexible borrowing options

Our SBA loans give you favorable options to help your small business succeed, such as flexibility in equity investment, funds for operating costs and more.

Longer repayment terms

We want your business to excel. Get lower monthly payments to help you save or use capital for your business needs.

What's an SBA loan?

SBA loans are provided through participating lenders, such as CIBC, to provide flexible terms to small businesses across the country. To qualify for SBA loans, you must complete an SBA questionnaire, be of good character, and have good credit history. You must also show that you're able to repay the loan. and in some cases, have the required equity injection in your business.

Choose the right SBA loan for you

7(a) loans

A loan that's used for business acquisition, real estate purchases, equipment, expansion, inventory, leasehold improvements, debt refinance and working capital.

504 loans

A loan for for real estate or equipment where the bank lends 50% of the cost. The Certified Development Companies (CDC) covers up to 40% and the borrower contributes 10% in equities.

SBA Express

A loan that's used for revolving lines of credit or term loans. It's a quick and easy way to receive government-guaranteed financing for your business.

Want more information?

The U.S. Small Business Administration provides business insights and more details about funding programs. Visit their website to learn more about SBA loans Opens in a dialog. .

Interested in an SBA loan?

Fill out the form and our SBA lending team will get back to you within 2 business days.

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Overview

A relationship-based checking account that provides incentives for business owners and executives who maintain business and personal checking accounts at CIBC.

Key features

Fees

No fee with $10,000 monthly or $25,000 combined daily balance for select business and personal accounts 2 , or $25 per month.

Set up your business for success

Count on expert advice

We're proud to be in the top 10% of all SBA lenders in the US. 1 You'll have a team of specialists, including a Relationship Manager, Portfolio Manager and Client Specialist, dedicated to help you with your business goals and needs. Together, we can help keep your business on the right track.

Manage your finances in one place

Our comprehensive suite of services to manage your cash and liquidity are delivered through an intuitive online banking system, Business NetBanking (BNB), where you can view balances and transactions, initiate payments, manage Positive Pay exceptions and more, all in one portal.

Our small business success stories

7(a) loan used to buy out a partner and purchase real estate for a spice manufacturer in Illinois.

7(a) loan used to buy equipment for a technology security services company in Ohio.

7(a) loan used to acquire a home care business in Wisconsin.

Connect with us

Terms and conditions Show or hide

1 In 2020 and 2021, CIBC was in the top 10% of all SBA lenders based on approved dollars according to the U.S. Small Business Association.

Consumer and commercial banking products and services are offered through CIBC Bank USA. Member FDIC and Equal Housing Lender. All loans are subject to credit approval. Trust services and investment products are offered by CIBC Private Wealth Management. CIBC Private Wealth Management includes CIBC National Trust Company, CIBC Delaware Trust Company and CIBC Private Wealth Advisors, Inc. (a registered investment adviser) all of which are wholly owned subsidiaries of CIBC Private Wealth Group, LLC — and the private banking division of CIBC Bank USA. Trust services and investment products are not FDIC insured, not deposits or obligations of, or guaranteed by, CIBC Bank USA or CIBC National Trust Company, and are subject to investment risk, including loss of principal.

Commercial real estate products and services offered by CIBC Bank USA and CIBC Inc.

CIBC Capital Markets is a trademark brand name under which CIBC and some of its subsidiaries, including CIBC World Markets Inc., CIBC World Markets Corp. and CIBC Bank USA, provide different products and services. Capital Markets products are not FDIC insured; not deposits or obligations of, or guaranteed by, CIBC Bank USA; and are subject to investment risk, including loss of principal.

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