Bank of Hays Commercial Lending
Helping Your Business Grow with SBA Loan Solutions
At Bank of Hays, we specialize in providing tailored commercial lending solutions to help businesses succeed. Our experienced lending team offers Small Business Administration (SBA) loan programs designed to provide flexible financing options with lower down payment requirements. Whether you're expanding, acquiring a new business, or planning for succession, we have the expertise to guide you through the process.
SBA 7(a) Loans
The SBA 7(a) loan program is a versatile financing solution for small businesses looking to:
- Purchase or expand a business
- Refinance existing business debt
- Acquire equipment or inventory
- Fund working capital needs
Key Benefits:
- Lower down payment requirements
- Longer repayment terms
- Competitive interest rates
SBA 504 Loans
The SBA 504 loan program is designed for businesses seeking to invest in long-term assets such as:
- Commercial real estate purchases
- New construction or renovation
- Large equipment purchases
Key Benefits:
- Low down payment (typically 10%)
- Fixed interest rates
- Long repayment terms (10, 20, or 25 years)
Succession Planning Loans
Ensuring a smooth transition of business ownership is crucial for long-term success. Our succession planning loans help business owners:
- Facilitate business transitions to the next generation
- Structure buyouts for partners or employees
- Secure financing for ownership change
Why Choose Bank of Hays?
- Experienced SBA Lending Team – Our dedicated specialists understand the complexities of SBA loans and will guide you every step of the way.
- Flexible Financing Solutions – We work with you to structure the best loan terms to fit your business needs.
- Local Decision-Making – Quick approvals and personalized service from a bank that knows your community.
Let Bank of Hays help you achieve your business goals with smart and strategic lending solutions.
Contact our Commercial Lending Team today!
Brandon Prough
785-621-5571
Josh Dreher
785-621-5572
Jaden Richardson
785-621-5574
