SBA Lending

SBA Lending

Hana Small Business Lending is a nationwide SBA 7(a) lender with Preferred Lender status.  This designation allows Hana SBL to provide faster responses to loan inquiries with a more flexible credit guideline.


With amicable repayment terms and collateral requirements, SBA lending can satisfy various financing needs your small business. 


Hana SBL’s knowledgeable staff can expertly navigate the intricate complexities of the government program to benefit your business best.

SBA 7(a) Loans' Versatility

Hana SBL services an assortment of businesses for various commercial uses.  The industries and purposes in our portfolio include:

Assisted Living Facilities

Equipment Purchase

Debt Refinance

Convenience Stores

Day Care Centers

Dry Cleaners



Health & Fitness Clubs

Hotels / Motels

Medical & dental Professional





Office Buildings



Self Storage

Single Users

Veterinary Facilities


Business Lending

Hana Small Business Lending offers SBA loans for any business usage, including but not limited to: business real estate purchase, construction, refinance, business acquisition, equipment purchase, and working capital. 


Hana SBL offers the program’s most competitive rates on loans ranging from $150,000 to $5 million.

7(a) Loans

What are the benefits of a 7(a) loan to your business?

  • Borrower Benefit

    • Long repayment terms.  Up to twenty five years without a balloon payment.

    • Reduced cash flow requirements allow for opportunities to expand the business.

    • Low down payment requirements

    • Competitive interest rates based on published Wall Street Journal Prime rate.

  • Use of Proceeds

    • Business acquisition and start-up financing.

    • Purchase, construction, or renovation of owner-occupied commercial real estate.

    • Majority of space must be occupied (51% for an existing building and 60% for new construction)

    • Purchase of fixed assets such as machinery and equipment.

    • Refinance or consolidate existing debts, up to 100% financing on outstanding balances.

    • Loan proceeds also include inventory, working capital, and closing costs.

  • Terms

    • Amortization from ten to twenty five years.

    • Up to 90% financing on existing commercial real estate and up to 70% financing on existing business acquisition.

    • Existing businesses must show fixed debt coverage of 1.1 or greater for two years.

  • Eligible Users

    • Purchasing land and improvements including existing buildings

    • Grading, street improvements, utilities, parking lots, and landscaping

    • Constructing new facilities, modernizing, renovating, or converting existing facilities

  • Typical Financing Structure

    • 50% first trust deed.

    • 40% CDC second trust deed.

    • 10% minimum down payment.

    • 15% minimum down payment required for special purposes property.

Quick Qualification

Quick qualification is available for free through Hana SBL.

Please provide the following information and Hana SBL will qualify your request within two business days.

  • Summary of loan request amount and purpose.

  • Business’s previous three years’ federal income tax return or CPA prepared financial statements.

  • Business’s current year to date financial statement.

  • For tenants, current year to date rent roll.

  • Previous three years’ federal income tax return or CPA prepared financial statements for any affiliate businesses.  An affiliate business is defined as any business in which the borrower has an ownership equal to or greater than 20%.

  • Current personal financial statement and cash flow statement for each borrower.

  • Any known issues for each borrower including, but not limited to bankruptcy, foreclosure, etc.

  • Any known issues regarding the property including but not limited to property’s environmental condition, physical condition, tenancy issues, etc.

Need more details? Contact us

We are here to assist. Contact us by phone or email.

LA Headquarters:


New York:

© Copyright Hana Financial, Inc.

※  Loans made or arranged pursuant to a California Financing Law.