SBA Loans

Woori America Bank Small Business Administration Loan is a government guaranteed loan that provides various funding solutions to help small businesses get started and grow.

Whether it's an SBA 7(a), SBA Express or SBA 504 loan, they are more affordable compared to other conventional loans.

  • Longer repayment terms. Lower monthly payment.
  • Lower down payments. Lower one time upfront cost.

Comparison Chart

TypeSBA 7(A)

SBA Express

504
Type of Loan & Use of Proceeds
  • Term Loan
  • Working capital
  • Furniture and fixtures
  • Machinery and equipment
  • Purchase of land and building including construction and renovations
  • Business Acquisition
  • Refinancing of existing debt
  • Term Loan
  • Revolving line of credit
  • Use of proceeds: Same as SBA 7(a)
  • Term Loan
  • Structure
    • 10%: Down for Borrower
    • 40%: Financing from CDC
    • 50%: Financing from Bank
  • 15% down for New or Special
  • Acquisition, Construction, Renovation of Building
  • Machinery & Equipment Purchase

Maximum Loan Amount

Up to $5,000M

Up to $350M

Up to $5,000M

Guaranty portion

75%~85%(85%=$150M or less) (75%=Over $150M)

50%

100% of CDC portion

Guaranty Fee (based on guaranteed portion)

  • 2.0%: < $150M
  • 3.0%: $150M~700M
  • 3.5%: > $700M
  • 3.75%: If guaranty portion is over $1,000M

Same as SBA 7(a)

  • 3.15%
  • Guaranteed fee: 0.5%
  • CDC Processing fee: 1.5%
  • Funding / Underwriting:1.15%

Minimum Maturity

  • Working Capital : 10yrs
  • Equipment : Useful life
  • Property : 25yrs
  • Mixed Use : Weighted Avg
  • Same as SBA 7(a)
  • LOC - 7yrs including term out period
  • Property: 20yrs
  • Equipment: 10yrs

Activity Fees

  • $6.00 per month
  • $0.50 for each deposit
  • $0.15 for each check paid
  • $6.00 per month

  • $0.50 for each deposit

  • $0.15 for each check paid

After 300 transactions, a $0.50 fee is assessed for each succeeding transaction

  1. list 1
  2. list 2

Have a Question?

For more information, please call customer service at 1-888-MyWoori (699-6674) or contact us online.

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SBA 융자

우리아메리카은행 SBA 대출 프로그램은 소규모 비즈니스를 시작하거나 확장하려는 고객님들에게 제공되는 미 정부 보증 대출입니다.

대출의 종류로서는 SBA 7(a), SBA Express 그리고 SBA 504 Loan 프로그램을 제공하고 있으며, 일반대출보다 저렴한 기업 대출상품입니다.

  • 상환 기간이 더욱 길어, 매달 내는 금액이 저렴합니다
  • 일반 상용 대출 대비 Down Payment (납입자본금)가 적습니다.

Comparison Chart

TypeSBA 7(A)

SBA Express

504
Type of Loan & Use of Proceeds
  • Term Loan
  • Working capital
  • Furniture and fixtures
  • Machinery and equipment
  • Purchase of land and building including construction and renovations
  • Business Acquisition
  • Refinancing of existing debt
  • Term Loan
  • Revolving line of credit
  • Use of proceeds: Same as SBA 7(a)
  • Term Loan
  • Structure
    • 10%: Down for Borrower
    • 40%: Financing from CDC
    • 50%: Financing from Bank
  • 15% down for New or Special
  • Acquisition, Construction, Renovation of Building
  • Machinery & Equipment Purchase

Maximum Loan Amount

Up to $5,000M

Up to $350M

Up to $5,000M

Guaranty portion

75%~85%(85%=$150M or less) (75%=Over $150M)

50%

100% of CDC portion

Guaranty Fee (based on guaranteed portion)

  • 2.0%: < $150M
  • 3.0%: $150M~700M
  • 3.5%: > $700M
  • 3.75%: If guaranty portion is over $1,000M

Same as SBA 7(a)

  • 3.15%
  • Guaranteed fee: 0.5%
  • CDC Processing fee: 1.5%
  • Funding / Underwriting:1.15%

Minimum Maturity

  • Working Capital : 10yrs
  • Equipment : Useful life
  • Property : 25yrs
  • Mixed Use : Weighted Avg
  • Same as SBA 7(a)
  • LOC - 7yrs including term out period
  • Property: 20yrs
  • Equipment: 10yrs

Activity Fees

  • $6.00 per month
  • $0.50 for each deposit
  • $0.15 for each check paid
  • $6.00 per month

  • $0.50 for each deposit

  • $0.15 for each check paid

After 300 transactions, a $0.50 fee is assessed for each succeeding transaction

  1. list 1
  2. list 2

궁금하신 점이 있으신가요?

문의사항은  1-888-MyWoori (699-6674) 혹은 온라인뱅킹을 통해 연락바랍니다..

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