Small Business Administration (SBA) Loans
Affordable, government-backed SBA loans designed to help your small business start, grow, and thrive — with loan amounts from $500 to $5.5 million and flexible terms.
Why SBA Loans Work for Your Business
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Lower Rates & Longer Terms
Access competitive rates and extended repayment terms to keep monthly payments manageable.
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Lower Down Payments
Preserve cash flow with smaller upfront investment requirements.
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Flexible Use of Funds
Use your loan for working capital, equipment, real estate, refinancing, or ownership changes.
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Local Expertise & Fast Decisions
Work with experienced, local lenders who understand your business and make decisions quickly.
Small Business Loans
Whether you’re launching a startup or expanding operations, SBA loans from Jeanne D’Arc Credit Union offer flexible, affordable business financing backed by the U.S. Small Business Administration.
- Loan amounts from $500 to $5.5 million
- Lower down payments and competitive rates
- Longer repayment terms to improve cash flow
- Fixed or variable interest options
- Flexible use of funds for a wide range of business needs
Ready to take the next step? Apply for an SBA Loan today.
Get Started
SBA Loan Programs
SBA 7(a) & 7(a) Express Loans
Flexible financing for a wide range of business needs, including:
- Working capital (short- and long-term)
- Equipment and machinery purchases (including technology and AI-related investments)
- Real estate acquisition or improvements
- Business acquisition or ownership changes
- Refinancing existing business debt
SBA 504 Loans
Designed for long-term, fixed-asset financing:
- Purchase or construction of commercial real estate
- Facility improvements or expansion
- Equipment acquisition
– Stephen G., Tyngsborough, MANice people, good business, no fees
Ready to get started?
To apply for loans, open accounts or to schedule a meeting to discuss your business, contact:
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Robert Boley
VP – Business Services
Office: (978) 703-7982
Mobile: (978) 421-4644
Email: [email protected] -
Michelle Sapienza
VP – Commercial Loan Officer
Office: (978) 323-3237
Mobile: (978) 323-3237
Email: [email protected]
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Lisa Carroll
Business Development Officer
Office: (978) 703-7932
Mobile: (978) 703-7932
Email: [email protected] -
Chris Del Valle
Business Development Officer
Office: (978) 703-7996
Mobile: (978) 888-3871
Email: [email protected]
FAQs About Small Business Financing
An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration. This guarantee reduces risk for lenders and helps small businesses qualify for financing with lower down payments and longer repayment terms.
Jeanne D’Arc Credit Union offers SBA 7(a), 7(a) Express, and 504 loan programs. Each option is designed to support different business needs, from working capital to real estate and equipment financing.
Loan amounts typically range from $500 to $5.5 million, depending on the loan program and your business needs.
SBA loans can be used for a wide range of business purposes, including working capital, equipment purchases, real estate acquisition or improvements, refinancing existing debt, and business acquisitions.
SBA loans are available to for-profit U.S. businesses that meet SBA size standards. To apply with Jeanne D’Arc Credit Union, you’ll also need to be eligible for business membership. Our team can help determine your eligibility and guide you through the process.
Start by contacting our Business Services team to discuss your needs and next steps. We’ll guide you through the application process and required documentation.
- Small SBA 7(a) loans: typically 2–3 weeks
- SBA 504 and real estate loans: approximately 60 days
Timelines may vary depending on the loan program and complexity.
Prepayment penalties may apply depending on the loan type and term. Our team can walk you through any applicable details.
SBA program requirements and guidelines may change over time. For the most up-to-date information, visit the SBA website.