The SBA International Trade Loan is designed for eligible small businesses that are existing exporters, developing new export markets, or seeking to improve their competitive position against foreign competition.
The program may combine financing for fixed assets, working capital, and certain eligible debt refinancing within a single SBA-backed term loan.
Maximum Loan Amount
Eligible businesses may qualify for financing of up to $5 million.
The SBA guaranty may be as high as 90%, subject to applicable program limits and requirements.
Potential Uses
Depending on the transaction and participating lender underwriting, International Trade financing may support eligible purposes such as:
- Acquiring, constructing, renovating, modernizing, improving, or expanding business facilities
- Purchasing or improving machinery and equipment used in international trade
- Working capital for qualifying export transactions
- Certain eligible business debt refinancing
- Developing or entering new international markets
- Investments intended to improve a business’s ability to compete with foreign businesses
The program is intended both for businesses pursuing export growth and for qualifying businesses adversely affected by import competition.
Financing Structure
International Trade Loans are structured as term loans rather than revolving lines of credit. Loan terms, collateral requirements, interest rates, and repayment schedules are determined by the participating lender, subject to applicable SBA requirements and maximums.
Important: SBA financing is subject to lender underwriting and SBA eligibility requirements. White Feather Capital LLC is not an SBA lender. See our SBA Business Financing Disclosure for additional information.