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May 2012 | SBA DIVISION NEWSLETTER

Dear Partner,

Spring is in full swing, and U.S. Bank SBA Division is dedicated to the growth and success of small businesses. We can help create the foundation on which to start, grow and enjoy ownership by providing long-term financing guaranteed by our partner, the U.S. Small Business Administration (SBA).

Call me today to learn how we can help your small business client propel to a new level of success!

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BENEFITS OF COMMERCIAL PROPERTY OWNERSHIP

Financing is often the critical component in a real estate transaction. U.S. Bank SBA Division can finance your next deal with an SBA loan specially tailored for owner-users that puts your small business client into their own business property.

With historically low interest rates and a large supply of buildings at lower prices, now is a great time for small businesses to consider owning commercial real estate. Some of the numerous advantages of owning over leasing includes:

•	No rent increases

•	Tax benefits of property ownership

•	Potential property appreciation

•	25-year amortization with an SBA loan usually means lower monthly payments

•	Purchasing a larger facility than is immediately needed allows for future growth

•	Relocating may be used to add visibility and greater convenience for customers

There has never been a better time to consider owning commercial real estate. Explaining the numerous advantages of owning over leasing is one of our special skills at SBA Division and we are always looking for the opportunity to share this important information with our banking partners.

Call me today to see how I can help your small business client!

SBA Loan Benefits:

•	Up to $11.25 million¹
•	Up to 90% financing
•	Up to 25 year terms
•	Fixed-rates available
•	No balloon payments
•	SBA Preferred Lender
•	34 years SBA experience

SBA Loan Uses:

•	Owner-occupied real estate purchase
•	Construction or expansion
•	Tenant improvement
•	Refinance
•	Business expansion
•	Working capital
•	Inventory
•	Startups

LEARN MORE

Recently Funded by US

A long-time U.S. Bank customer, Steve Busick, President Of Busick Insulated Glass, Inc. in Denver, CO came to SBA Division for a long-term SBA loan to help grow his thermostatically-controlled glass business.

Dental Practice - Liberty, MO
$340,300, Real Estate Purchase

Architectural Firm - Seattle, WA
$3,285,000, Real Estate Purchase

Manufacturer - Adelanto, CA
$680,300, Real Estate Purchase

	usbank.com/sba

Applications subject to credit approval. Other conditions and restrictions may apply.

U.S. Bank is not a tax advisor. When it is appropriate, you are encouraged to seek professional tax advice.

¹ Financing maximums and terms are determined by borrower qualifications and use of funds.

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