Phoenix SBA a Division of Community Bankshares Inc

201 Broad Street PO Box 1489
LaGrange, GA 30241

About Us

At Phoenix SBA, a division of Community Bankshares, we specialize in delivering tailored SBA 7a loan solutions to small business owners nationwide. With loan amounts ranging from $250,000 to $5,000,000, our mission is to empower entrepreneurs with the capital they need to thrive and grow.

We excel in financing business acquisitions, working capital, real estate purchases, and other essential business needs, offering flexible terms of up to 25 years for real estate deals and 10 years for non-real estate ventures. Our competitive interest rates, starting as low as Prime + 1.5%, and our ability to structure deals with LTV and LTC over 100% in eligible cases, set us apart in the industry.

Serving industries from healthcare and manufacturing to e-commerce and hospitality, our team brings decades of expertise to every transaction. We pride ourselves on providing honest, transparent, and customer-focused service, ensuring our clients and partners succeed.

What We Offer

Loan Types
  • SBA 7a
  • Construction
  • Refinance
  • Purchase
  • Equipment
  • Working Capital
  • Business Acquisition
  • Term Loans
Rates
  • Prime +1 to Prime +2.75
Lending Territory
  • Nationwide
Closing Times
  • 45-90 Days
Loan Purposes
  • Purchase
  • Refinance
  • Working Capital
  • Construction
  • Equipment Purchase
  • Business Acquisition
  • Start-Up
Borrower Types
  • Owner Occupied Commercial Properties
  • Any Eligible Small Business Owner
Credit Requirements
  • 1.25x Debt Coverage
Documentation
  • Full Doc
Cltv
  • 100%+
Loan Amounts
  • $250,000-$50,000,000
Max Ltv
  • 100%
Property Types
  • Commercial
  • Mixed-Use
  • Special-Use
  • Non-Residential, Non-Multifamily
Loan Terms
  • 10-25 Years
FICO Requirements
  • 630+
Lien Position
  • 1st
  • 2nd
  • 3rd

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