Construction worker looking at plans USB offers many different types of loan products to help your business grow and prosper. We offer competitive interest rates with a variety of terms and repayment options to meet your financial needs. We are locally-owned, therefor all loan decisions are made locally and quickly!

  • Working capital lines of credit
  • Permanent & seasonal working capital loans
  • Equipment financing
  • Facility expansion & construction financing
  • Real estate loans
  • Small Business Administration (SBA) loans


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7(a) Loan Program

Loans to establish a new business, or to assist in the acquisition, operation, or expansion of a new business.

Eligible Use of 7(a) Loan Proceeds Include:

  • The purchase of land or buildings, to cover the cost of new construction, or the expansion or conversion of existing facilities
  • The purchase of equipment, machinery, furniture, fixtures, supplies, or materials
  • Long-term working capital, including the payment of accounts payable and/or the purchase of inventory
  • Short-term working capital needs, including seasonal financing, contract performance, construction financing and export production
  • Financing against existing inventory and receivables under special conditions
  • The refinancing of existing business indebtedness that is not already structured with reasonable terms and conditions
  • To purchase an existing business

Construction worker digging ditchLong-term financing designed to encourage economic development within a community. The 504 Program provides small businesses with long-term, fixed rate financing to acquire fixed assets for expansion or modernization.


CDC/504 Loan Program

A Certified Development Company (CDC) is a private, nonprofit corporation which is set up to contribute to economic development efforts within its community. CDC’s work with SBA and private sector lenders to provide financing to small businesses. A typical CDC/504 project includes:

  • A loan secured from a private sector lender with a senior lien covering up to 50% of the project cost
  • A loan secured from a CDC (backed by a 100% SBA-guaranteed debenture) with a junior lien covering up to 40% of the project cost
  • A contribution from the borrower of at least 10% of the project cost (equity)

Eligible Use of 504 Loan Proceeds Include:

  • The purchase of land, including existing buildings
  • The purchase of improvements, including grading, street improvements, utilities, parking lots and landscaping
  • The construction of new facilities or modernizing, renovating or converting existing facilities
  • The purchase of long-term machinery and equipment


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