When it comes to entering a new export market, or expanding an existing one, you want to make sure your domestic cash flow and financing go uninterrupted. Through a relationship with the U.S. Small Business Administration (SBA), SunTrust can help you boost your overseas revenue and build your international sales and customer base, without affecting your established operations.
Through the SBA Export Working Capital program and SBA Export Express program, we offer financing that covers a wide range of export-related projects. For three consecutive years, we’ve been named the U.S. Small Business Administration’s Export Lender of the Year. That's how you know that when you partner with SunTrust you can count on expert advice and guidance from our experienced trade finance specialists, along with competitive rates and flexible financing terms that fit your company's needs.
|Description||Designed for export financing and market development or expansion needs of U.S. small businesses. Great funding for international trade shows, real estate and equipment. Expedited application process and response.||Pre- and post-export financing designed to assist U.S. small businesses seeking short-term working capital to fund direct export costs like procurement, inventory, receivables or production of orders.|
|Eligibility||For-profit business, sole proprietorship that meets the SBA's size and industry guidelines, one full year of business operating history. Cannot be used for start-ups or acquisitions.|
|Maximum Loan Amount||$500,000||$5 million (Advance rate of eligible documentary credits, foreign purchase orders and accounts receivable - up to 90%, export-related inventory - up to 75%)|
|SBA Guaranty Fees||0.25% fee for maturities less than 12 months, 2% fee on amounts less than $150,000, 3% fee on amounts greater than $150,000||0.25% SBA fee|
|Maximum SBA Guaranty||90% up to $350,000, 75% up to $500,000||90% up to $5 million|
When you're ready to get started with one of our SBA export loan options, our global trade financing professionals will guide you through the process so that you get the right loan, right when you need it. 1 Call 877.370.5108 to talk with us and learn more about SBA Export Express and Export Working Capital loan programs.
Approved to offer SBA loan products under SBA’s Preferred Lender program.
* Industry guidelines are stated as maximums that qualify:
Any and all owners who own 20% or more of the business are required to unconditionally guarantee. However, anyone with a controlling interest or key role in the business may be required to guarantee.
1 Financing subject to standard credit criteria. Important Note: In all cases, SBA policy requirements supersede SunTrust's credit quality requirements.
A number of tools can help business owners with accurate and timely payments among vendors and customers. Use this checklist to help your business process more efficient transactions.
The latest generation of business banking and payments technologies offers forward-thinking businesses the unprecedented ability to collect payments in less time, with less effort and without a great deal of your attention.
Check tampering and billing fraud are the most frequent ways that employees embezzle from small businesses. A fraud prevention strategy using a six-step checklist will build a culture of accountability and reduce the risk of employee fraud.
Reaching your top existing customers on a personal level and inspiring them to refer their friends, family and co-workers to your business can give you a competitive advantage over your larger competitors.
Cost control may be the essential element that sustains growth for small businesses. Closely monitoring employee expenses such as purchasing, and travel and entertainment (T&E) is a natural place to look for cost savings and to control costs.
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