always-bank - Lender Search

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.

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

Contact Always bank

Always bank will receive your contact information and search scenario, which will help you get the quickest response.