The Power to Do More

Small businesses make a big impact on our families, our communities and our economy.

Keeping them strong and helping them grow is our goal. That’s why mBank offers government-backed loans through the Small Business Administration (SBA), U.S. Department of Agriculture (USDA) and other government loan programs.

For qualified businesses, SBA and USDA loans may be used to secure financing for working capital, equipment, acquisitions, expansions, real estate and improvements, among other specific purposes — all key activities to drive business growth.

These loans are structured with fixed or variable interest rates and — different from conventional loans — offer lower down payments, longer loan amortization and great flexibility in loan structure/conditions.

As one of the top lenders in the Great Lakes Region, mBank provides your business with greater access to capital through our affiliation with the SBA and USDA loan programs. Our expert team will guide you through the entire process.

Loan Types

SBA 7(a)

Provides loans up to $5 million for long- and short-term working capital, revolving funds, equipment and real estate purchases, refinancing of existing debt and business acquisition or expansion.

SBA Express

A streamlined SBA 7(a) loan program, available to qualified applicants for loans up to $350,000.

SBA CAPLines

Revolving lines of credit up to $5 million. Designed to help small businesses meet their short-term and cyclical working capital needs.

SBA 504

Financing for real estate acquisition and/or improvements and large equipment investments and debt refinance/restructure for eligible businesses up to $5 million.

USDA Business & Industry (B&I)

For businesses in eligible areas, provides loans for business modernization, real estate, improvements, equipment and debt refinancing.

SBA Recognition*

Business Development Lender of the Year

Community Bank Lender of the Year

Community Development Lender of the Year

Michigan Top 10 Lender

* The SBA recognized mBank Michigan locations with these awards.

FAQs

DISCLAIMER
* The SBA recognized mBank Michigan locations with these awards.