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Government Guaranteed Lending

Regents Bank offers a variety of government guaranteed loan products that provide alternatives to traditional credit products to help small businesses grow. Whether you’re searching for a working capital loan, want to buy a business or need to purchase a commercial building or heavy equipment, there’s a good chance we have a loan product that will meet your specific needs.

Industries that may qualify for one of these government guaranteed loan products include manufacturing, professional services, hospitality, assisted living facilities, skilled nursing centers, franchising and biodiesel. Building types that may qualify include offices, warehouses, industrial and manufacturing facilities, child care facilities, assisted living centers, car wash facilities, automotive repair shops, professional buildings, hotels, gas stations, franchises, and data centers.

SBA Loans
Export-Import Bank of the U.S.
SBA 7(a)
SBA 504
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SBA 7(a)

SBA 7(a) Loan Program helps small businesses grow by offering longer amortizations, lower equity contributions and flexible terms. Most for-profit businesses are eligible. Commercial real estate must be majority occupied by the operating business.

  • Working capital
  • Machinery and equipment purchase
  • Construction or refinance of owner-occupied commercial real estate
  • Refinance of business debt
  • Business acquisition
  • Expansion

In addition, these specialty 7(a) programs are also available:

  • Export Express, Export Working Capital program International Trade Loans
  • CAPLines


  • Longer amortization allows for lower loan payments
  • No future balloon payment
  • Loans up to $5 million
  • Terms up to 25 years for real estate debt
  • Terms up to 10 years for machinery and equipment

SBA 504 Loan Program

SBA 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization with as low as 10% cash at closing.

  • Purchase or construction of owner-occupied real estate
  • Machinery and equipment purchase


  • Up to 90% financing. Typical 504 structure is 50/40/10 (50% conventional bank loan, 25-year amortization, 10-year maturity; 40% SBA 20-year fixed rate loan; 10% equity contribution)
  • Longer loan amortizations, no balloon payments
  • 20-year fixed interest rates on SBA loan
  • Savings that result in improved cash flow for small businesses
  • Terms up to 20 years for real estate loans
  • Terms up to 10 years for machinery and equipment loans
Business & Industry Loans
Food Desert Program
Rural Energy for America Program (REAP)
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Business & Industry Loans

The USDA Business and Industry Guaranteed Loan Program is designed to help create and maintain employment and improve the economic and environmental climate in rural communities. The program provides stability, growth, expansion and employment for businesses in rural communities.

USDA loans offer longer repayment terms to increase cash flow, and higher loan-to-value terms than conventional loans. To be eligible for a USDA B&I Loan, your business must be located in a rural community as defined by the USDA Mapping Program, except for Food Desert loans.

Financing is available for:

  • For-profit businesses, non-profits and cooperatives, public bodies
  • Machinery & equipment purchase
  • Investor and owner-occupied commercial real estate


  • Longer repayment terms for better cash flow
  • Higher loan-to-value than conventional loans
  • No balloon payments – loans are fully amortizing up to 90% financing for real estate
  • Loans can be used for refinance, acquisition, start-up, construction and working capital
  • Security of long term financing commitments that are not affected by fluctuations in the business cycle
  • Terms up to 30 years for real estate loans
  • Terms up to 15 years for equipment loans

Census tract driven. Please call us to confirm address eligibility.

Food Desert Program

The USDA Food Desert Program offers financing for businesses in the food industry that can be located in urban areas in addition to rural areas.

Call us to confirm address eligibility; can be in urban area.

The same loan parameters and loan structure as the B&I program are applicable to the Food Desert Program.

Rural Energy for America Program (REAP)

REAP provides guaranteed loan financing to agricultural producers and rural businesses to purchase or install renewable energy systems or make energy efficiency improvements.

  • Up to 75% financing on installation of renewable energy systems or improvements to building, equipment or processes for improving energy efficiency
  • Loan term up to 15 years, determined by useful life of equipment/install
  • Businesses or agricultural producers are eligible
  • Low guaranty fee-1%
  • No balloons, fully amortizing loans
Export-Import Bank of the U.S.
Export-Import Bank of the U.S. logo

Export-Import Bank of the U.S.

For many U.S. exporters, a lack of access to financing can stand in the way of global growth. The Export-Import Bank of the U.S. has several forms of support that can provide a solution, including working capital lines of credit for inventory and receivables.