Always bank

51 St. Joseph Street
Mobile, AL 36602

About Us

As an SBA-approved Preferred Lender, we can streamline the SBA loan process, providing a faster and smoother experience. Our Preferred Lender status gives us greater flexibility and control over post-closing requests, allowing us to process, close, and service most SBA-guaranteed loans without needing prior SBA review. With over 115 years of combined SBA experience, our team is well-equipped to deliver exceptional service. Our team is deeply versed in every kind of business lending. We understand that every business situation is different; and can help you find the funding that fits.

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What We Offer

Loan Types
  • SBA 7(a)
  • SBA 504
  • SBA Express
Rates
  • Up to Prime + 2.75%
Lending Territory
  • National (including Hawaii and Alaska)
Closing Times
  • Avg 60-days
Loan Purposes
  • Purchase
  • Refinance
  • Construction
  • Expansion
Borrower Types
  • Owner Occupant For-Profit Small Businesses that meet SBA eligibility requirements
Credit Requirements
  • Full-Doc
Documentation
  • Follow SBA guidelines
Loan Amounts
  • $150k - $5M
Fees
  • $2,500 packaging fee, SBA guaranty fee
Property Types
  • General Purpose
  • Mixed-Use
  • Special Purpose
  • Industrial
  • Medical
  • Warehouse
  • Retail
  • Office
Loan Terms
  • Up to 25-years fully amortizing
Occupancy
  • >=51% must be occupied by the small business for purchase or refinance
  • >=60%+ for ground up construction
FICO Requirements
  • Avg >= 650
Cash Out Requirements
  • As allowed by SBA
Lien Position
  • 1st lien on CRE