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SBA Loans

At ESL, we’re committed to helping businesses in Greater Rochester succeed. As a participant in the SBA's Preferred Lender Program, we can offer the affordable and flexible financing you need to help your business grow and develop.

I got the expertise and advice I needed for a loan to help my business grow.

Apply for an ESL SBA Loan today.
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  • Features & Benefits

    With an SBA Loan from ESL, you can make strategic purchasing decisions that will help you grow your business. And reach your potential.

    • Competitive rates. You can save on financing costs with an affordable SBA Loan available through ESL.
    • Flexible terms. With three great loan programs available, you can find the terms that meet your specific business needs.
    • A variety of great SBA loans available. We offer SBA 504, 7(a), and Express Loans. Find the one that’s right for you.
    • Expert guidance from start to finish. Our Business Banking Team has the experience and expertise you need to understand your loan options and streamline the application process.
    • 24/7 online access. You can access and manage your loans around the clock through ESL Business Online Banking.

    Here’s something else you’ll appreciate. Your loan balances will qualify for our unique Owners’ Dividend.*

    Bottom line?

    If you’re looking for affordable financing that will help you accelerate your progress, find out about the SBA Loans available through ESL.

    All rates subject to change without notice. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. A penalty may apply for early withdrawal. Fees could reduce earnings in these accounts. * Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.
  • Compare SBA Loans

    At ESL, we offer three great loan programs guaranteed by the U.S. Small Business Administration that can help you grow your business. Click here to review the details on each so you can choose the program that's right for you.

  • How to Apply

    Ready to apply for an SBA Loan?

    We’ll explain your SBA loan options, answer your questions, and help you through the entire application process.

    Consider it further proof that ESL means business.