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Government Loan Programs


As a Preferred SBA Lender, BMO Harris can process your small business loan so you can get down to business. The following programs are available to support your business needs.


Download Loan Application (4.3MB, PDF)


Advantages and Benefits of SBA Loans


  • Longer terms and amortizations
  • Lower down payments
  • No balloon payments
  • No prepayment penalties for terms under 15 years



SBA 7(a)



  • Commercial real estate up to 25 years
  • Working capital, equipment and business acquisitions up to 10 years



  • Up to $5 million


Potential Uses

  • Business acquisition/expansion
  • Purchase machinery and equipment
  • Working capital and inventory
  • Purchase land or buildings, construction, renovations




SBA Veterans Advantage Loans


SBA Express

Normal 3% upfront guaranty fee reduced to zero on all loans of $150,000 up to $350,000

All other SBA loans

Upfront guaranty fee is reduced by 50% for non-SBA Express loans of $150,000 up to $5 million

BMO Harris Commercial Bank is a trade name used by BMO Harris Bank N. A. Member FDIC.