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SBA Guaranteed Loan Program

Take advantage of a long repayment period with Cathay Bank’s SBA Loan

The U.S. Small Business Administration (SBA) was established in 1953 by Congress with the mission to "promote and assist small businesses by providing financing assistance through loan guarantees, management counseling and training, and assistance in obtaining government procurement contracts".

Cathay Bank, an SBA Preferred Lender (PLP Lender), is proud to work with the SBA to accomplish its mission by providing financing assistance through the SBA 7(a) and SBA 504 Loan Programs. The loan proceeds may be used for commercial real estate acquisition, construction, leasehold improvement, equipment and inventory purchase, business acquisition, business debt refinancing and working capital.

Below are the major SBA loan advantages and a summary of SBA 7(a) and SBA 504 Loan Programs:

Major advantages for an SBA loan

  • Low down payment (as low as 10%)*
  • Flexible requirement on collateral 
  • Longer terms than most other conventional loans (up to 25 years)*

*Owner occupied commercial real property acquisition.

For more information on SBA Loans, please visit www.sba.gov.

For all your SBA Loan needs, please contact our SBA Department at 1-866-228-4296 or (1-866-Cathay6), or your local Cathay Bank branch manager





Consumer Customer Service
6:00 a.m. - 7:30 p.m. Pacific Time, Monday through Friday.

Business Customer Service

6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday.

Automated information is available 24 hours a day, 7 days a week.

U.S. customers in Hong Kong can dial toll-free 3710-1400 to contact U.S. Customer Service directly.

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