We work with many brokers throughout the country and welcome the opportunity to work with you. Please feel free to contact a representative by phone at 1-877-287-3722 or e-mail at info@csbloans.com.

Individuals interested in any other position should contact Michael Moser at 1-877-232-1252, Ext. 8238 or email at mmoser@communitysouthlending.com.

Community South is an Equal Opportunity Employer.

Please call us toll-free at 1-877-287-3722 and you will be routed to a loan officer. Also, our application forms are available for download here.

Because program requirements are defined as broadly as possible, the majority of applicants will be eligible for an SBA guaranteed loan. Nearly every legally operated business qualifies for SBA financing. To be eligible, a business must be operated for profit and not exceed SBA's size standards. For more specific eligibility criteria please contact us at 1-877-287-3722.

  Longer terms than would otherwise be available.  SBA loans have repayment terms of up to 25 years fully amortized (often with no balloons or call dates).

  Lower down payments than would typically be required from conventional lenders.  SBA loans require down payments of as little as 10%.

  Lower down payments and longer repayment terms allow borrowers to retain more of their cash which can, in turn, be utilized for the working capital needs of the business.

  Unlike many conventional loan programs, SBA financing is available for most industry types including (but not limited to) special use properties such as: hotel/motels, gas station/c-stores, restaurants, car washes and day care centers.

  In the underwriting process SBA lenders are able to consider both the historical and projected cash flows of the business. This is of particular benefit to rapidly growing businesses that may not demonstrate 3 full years of historical repayment ability.

Community South offers loans that range in size from $100,000  up to $7,000,000.   Please contact us at 1-877-287-3722 to schedule a loan prequalification wherein we can determine the amount that your company is eligible to borrow.

SBA loans can help growing businesses purchase, construct or renovate owner occupied commercial real estate, acquire fixed assets such as machinery and equipment, refinance business debt or fund the acquisition of existing businesses.  Virtually any business purpose can qualify for a long-term, SBA guaranteed loan, including:

   Commercial real estate purchase
   Construction
   Business acquisition or expansion
   Equipment/Inventory purchase
   Refinance
   Working Capital

Sometimes, small business owners find it difficult to obtain a traditional bank (conventional) loan due to strict credit standards and/or prohibitive terms and conditions. That’s why our SBA loan programs are so important – they enable us to provide funds to businesses which may not have established track records or are unable to secure traditional financing.

Down payments (also known as “equity injection”) are as little as 10% of your project costs.  Please contact us at 1-877-287-3722 to schedule a loan prequalification wherein we can review the details of your situation and determine the down payment requirement for your transaction.

Community South is your lender and will be your primary point of contact throughout the life of your loan.  The SBA provides a partial guarantee of the loan amount and relies upon Community South to service your loan.

Yes, the 7(a) loan program can be used for refinancing. Please contact us at 1-877-287-3722 to schedule a loan prequalification wherein we can discuss additional details and requirements for refinance transactions.

Loan proceeds can be used for most legitimate business purposes including construction of new facilities as well as modernizing, renovating, expanding or converting existing facilities. Best of all, Community South provides both construction and permanent financing. This means you won't need to apply for another mortgage and prepare for another loan closing.

There is a small packaging fee and an SBA guarantee fee (which varies depending on loan size). The guarantee fee can be financed as part of the loan and paid to the SBA upon closing the loan. In addition, as with any other loan, the borrower will be responsible for direct processing costs such as title insurance, appraisals and other standard closing costs.  Community South does not charge “points” on SBA loan transactions.  During your loan prequalification we will be happy to provide an estimate of the costs and fees for your contemplated transaction.

We understand your need to have a timely and decisive response regarding your loan request. Upon receipt of all required information, you will almost always receive our formal underwriting decision in 5-7 business days.

Community South will work with you and other third parties to close your loan as soon as possible.  In most cases this will occur within 45 days from receipt of your signed commitment letter.