SBA Loans

Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) Loans


Start or grow your business with a government-guaranteed loan.


As a Preferred SBA Lender, we can reduce the time and headaches often associated with government-guaranteed lending. SBA and USDA loans provide more flexible underwriting guidelines1 and terms than traditional loans, including:

  • Lower down payments
  • Competitive rates
  • Longer repayment terms
  • Fully amortizing loan structures

What are government-guaranteed loans?

Both SBA and USDA loans are government-guaranteed, which means that government agencies agree to pay if the borrower defaults. This allows those who may not be able to be approved for a traditional loan to qualify for government-guaranteed loans.

What is a SBA Preferred Lender?

Sandy Spring Bank will work with you every step of the way and as a SBA Preferred Lender, we can help streamline the process and save you time. This designation is only given to select lenders with a proven record of success.


SBA and USDA program options include: 

USDA B&I Loans for business expansion in designated geographic areas.

If you’re an entrepreneur looking to start their business or a longtime owner, we will work with you to find loan options so you can make those financial dreams a reality. 

JOhn Golsen,  Director of Government Sponsored Banking, Sandy Spring Bank

To Apply for an SBA or USDA loan or talk to a Sandy Spring Bank SBA Relationship Manager, contact:
 John Golsen
Director of Government Sponsored Banking 
Schedule an Appointment