SBA Loans
SBA 504 Small Business Loans
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Top 5 SBA franchise loan lender*
+$600 million franchise loans funded
+$2 billion in SBA loans since 2020
+2,000 SBA loans funded since 2020
We’re more than lenders. We’re your lending partners.
Find out how easily you can grow your business or buy a business with an SBA 504 loan. It’s simple to get started with a government-backed SBA loan, which offers more flexibility in rates and terms. And when you work with a great lending partner, you can focus on running and building your business.
Talk to an SBA 504 Loan Expert Today
As a nationwide SBA Lender, we have the resources and experience to tailor loan solutions for your exact business. We also provide loans to more than 40 industries and they can be used for many business purposes. We want to help you and your business succeed with the capital you need. It starts with a phone call to one of our SBA loan officers.
Want to learn more about business loans?
SBA 7a Loan Requirements
Finding the right funding solutions for your small business can be challenging. SBA 7a loans offer low interest rates and fixed-rate or variable-rate options.
SBA 504 Loan Requirements
What are 504 loans? This guide will provide you with an overview on how to get a 504 loan, SBA 504 loan down payment requirements and finding the right SBA 504 loan lenders for your small business needs.
How to Get an SBA Franchise Loan
Are you an entrepreneur looking to start a franchise but need funding to get started? Securing a Small Business Administration loan might be the perfect solution.
What Our Customers Say
Gave Me the Confidence I Needed
Huge thanks to Tammy and Brandi. Tammy was my first point of contact and gave me the confidence I needed since there isn't a local branch near where I live. Brandi has been answering ALL my questions since and has excellent follow up and has taken great care of me.
— Michele Houston
Genuinely Interested in Helping My Business Succeed
First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed.
— Don Kamb
Exceptional Service
I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently.
— Bryan Crowe
Real business owners. Real results.
Woof Gang Bakery SBA Loan Case Study
After years in HR, Kasia followed her passion for animals and, with a $345K SBA loan from First Bank of the Lake, quickly launched her Woof Gang Bakery & Grooming franchise — already nearing breakeven just months in.
Tint World SBA Loan Case Study
After losing his wife, a friend, and his life savings, Dan Billings reinvented his life with a Tint World franchise — and with guidance and an SBA loan from First Bank of the Lake, his business is thriving and he’s already eyeing a second location.
Lifetime Green Coatings SBA Loan Case Study
Father and son duo Barry and Parker Norfleet launched six Lifetime Green Coatings franchises with a $400K SBA loan from First Bank of the Lake — quickly setting up operations and nearly breaking even within just three months.