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Small Business Loans

Prosperity Bank is a SBA Preferred Lender.



SBA Payroll Protection Program

Prosperity is proud to have helped small and medium-sized businesses in the communities we serve by approving over 10,000 SBA Payroll Protection Program loans totaling over $1 billion. 


SBA Loans - Designed to Help Grow Your Business

We offer loan products through the Small Business Act 7(a) and 504 Loan Programs to businesses who meet the following SBA eligibility requirements:

  • Operates for profit
  • Falls within the size standards set by the SBA
  • Does business within the United States or its possessions
  • Has reasonable equity to invest and has utilized available business and personal resources

Ineligible businesses include:

  • Real Estate held for Investment Purposes (i.e. rental properties, mini-warehouses)
  • Academic Schools
  • Lending Activities (leasing companies, factors, finance companies)
  • Pyramid Sales Plans
  • Gambling Activities (casinos, race tracks, etc.)
  • Charitable, Religious or Other Non-Profit Organizations

SBA 7(a) Guarantee Loan Program

The 7(a) program enables Prosperity Bank to provide financing to:

  • Purchase owner-occupied commercial real estate including new construction, an existing building, or modernizing a current facility.
  • Start-up a new business, expand existing operations, acquire an existing business, or refinance outstanding debt.
  • Purchase machinery, equipment, and inventory.
  • Acquire capital assets such as architects, engineering, impact fees, and installation.
  • The SBA requires all assets available to the business and its principals be pledged in order for the loan to be “fully secured”. Personal guarantees of all owners with 20 percent or more interest are required, and full or limited guarantees of those owning less than 20 percent may be required.

SBA 504 Loan Program

The 504 Program provides growing small businesses with long-term, fixed-rate financing for fixed asset projects, such as purchasing land and improvements. This includes new construction, modernizing existing facilities, or purchasing long-term machinery and equipment. Proceeds may not be used for inventory, refinancing debt, or working capital.

An SBA 504 project includes three parts:

  1. A loan secured with a senior lien from the lending Bank covering up to 50 percent of the project cost,
  2. A loan secured with a junior lien from the Certified Development Company (CDC) covering up to 40 percent of the cost, and
  3. A contribution of at least 10 percent equity from the small business being helped.

Contact us

For additional information please contact our Prosperity Bank SBA loan specialists:

Beverly Layne

Executive Vice President,
SBA Department

Email Beverly

Valerie Alldredge

Vice President,
SBA Department


Amber Hitchcock

Assistant Vice President,
SBA Department


Jacqueline “Missy” Broadway

Assistant Vice President,
SBA Department

Email Missy

Sara Dickens

Assistant Vice President,
SBA Department


Get started and talk to us

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