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Small Business Administration (SBA) Loans

Financing that Supports Your Next Big Move

Whether you’re purchasing a business, expanding your operations, or investing in commercial property, an SBA loan from Timberline Bank can help turn possibility into progress. As an SBA Preferred Lender, we offer a streamlined process, personalized support, and the power of federal backing—all with the trusted service of your local community bank. 

SBA_PrefferedLenderStatus

Timberline Bank is part of the Preferred Lenders Program (PLP)

As an SBA Preferred Lender, Timberline Bank has earned the trust of the U.S. Small Business Administration to make loan decisions more efficiently—cutting out unnecessary delays and helping you move forward faster. For you, that means a smoother borrowing experience with fewer hurdles, more personalized support, and a local team that’s with you every step of the way. 

At Timberline Bank, we help you determine if an SBA loan is the right fit and guide you through the entire process—from application to approval to funding.  

Talk to your local small business specialist by phone or in person to get a recommendation and start your application. 

Our SBA Loan Offerings

SBA 7(a) Loans

Your go-to option for working capital, business acquisitions, and smaller purchases. 

  • Ideal for buying a business, inventory, or light equipment 
  • Available as term loans or lines of credit 
  • Fully serviced by Timberline Bank, from start to finish 
  • Down payment as low as 10% in many cases 
  • Flexible terms based on the life of your purchase (typically 5–10 years) 

Also known as: 
7(a) Loan • 7(a) Express Loan • Working Capital SBA Loan 

SBA 504 Loans

For big moves and big equipment. 

  • Perfect for purchasing real estate, heavy machinery, or expanding facilities 
  • Often used for commercial shops, cranes, and titled equipment 
  • Terms up to 25 years with competitive fixed rates, fully amortized 
  • Down payments start at 10%, depending on the business profile 

Why Timberline Bank?

Community Focus
When you bank with us, you are giving back to your local community. Your deposits stay local, helping to support economic growth on the Western Slope.
Locals Serving Locals 
Everything we do is built on relationships. When you work with Timberline, you work with your neighbors – not call centers. We get to know you, your projects, and your goals.
Local Decision Making
As the Community Bank of the Western Slope, we are locally owned and operated. Decisions are made by members of our community, not sent out of state or up the ladder.

Your Spending, Your Rewards

We treat SBA loans with the same high-touch service as any of our business loans. Here's what you can expect: 

1
Initial Review
Start with a conversation. We’ll learn about your business, goals, and financing needs. 
2
Needs List & Financials
You’ll receive a personalized checklist of required documentation (e.g., financials, collateral, credit info). 
3
Loan Evaluation
We evaluate the loan like any other—analyzing strengths, identifying shortfalls, and determining if SBA support is needed. 
4
Credit Presentation & SBA Submission
Our team handles the backend legwork, including assessing the right SBA loan for you and presenting to our committee. 
5
Approval & Closing
As an SBA Preferred Lender, our approval moves faster. Once approved, we’ll walk with you through funding and next steps. 

SBA Loan FAQs

What Is an SBA Loan?

Small Business Administration (SBA) loans are government-backed loans designed to help small businesses start, grow, and succeed. Unlike traditional financing, SBA loans are designed to support business owners who may not qualify for standard loans—offering lower down payments, longer terms, and accessible structures. 

What makes Timberline an SBA Preferred Lender?
As a Preferred Lender, Timberline has the authority to approve SBA-backed loans in-house. That means fewer delays, less red tape, and faster funding.
Who qualifies for an SBA loan?

We look at the full picture—your business, credit, financials, and potential. SBA loans are ideal when traditional financing doesn’t fully meet your needs. Generally, we look for a credit score of 660+, but SBA guidelines may allow for exceptions as long as there are no collections.

Is the SBA process complicated?

Not when you work with Timberline. Our lenders manage the details and guide you through each step. 

What’s the difference between 7(a) and 504 loans?
7(a) loans are flexible and cover working capital or acquisitions. 504 loans are best for heavy equipment or real estate and involve a CDC partner.
Will I need collateral or a down payment?
Yes. SBA typically requires a 10% down payment and may use broad collateral coverage. Our team will help you understand exactly what’s needed.

WE'RE HERE FOR YOU

Fuel Your Growth With Timberline

Whether you're working to purchase the business you’ve been at for years or expand into a new facility, our lenders will help assess what loan is best for you. With Timberline Bank, you’re not just getting funding — you’re gaining a financial partner.