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Surrey Bank and Trust

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Government-Guaranteed Loans

Government-guaranteed loans are among the many tools Surrey Bank & Trust loan officers use to help new and growing businesses in our markets obtain the capital they need. 

SBA Loans



Take advantage of our expertise in SBA loan programs

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Approved to offer SBA loan products under SBA's Preferred Lender program.

Over the years, SBA loan programs have helped us provide affordable financing for customers who might not qualify for conventional loans.

As our expertise has grown, so has our reputation as a leading SBA lender. For the past decade, Surrey Bank & Trust has ranked among the most active SBA lenders in North Carolina. We've also been recognized as the North Carolina Community Bank Lender of the Year numerous times. 

We are proud to be an SBA Preferred Lender (PLP), a designation not every bank earns. Lenders are considered for PLP status based on their record with SBA, and must have demonstrated a proficiency in processing and servicing SBA-guaranteed loans. 

Under this program, SBA delegates the final credit decision and most servicing to carefully selected PLP lenders. This streamlines the SBA lending process, providing a faster turn-around for our customers.

We offer a variety of small business loans and lines of credit through the 7(a) Loan Program, that can be used to buy, build, improve or refinance commercial property; finance land acquisition; or obtain operating capital.

Contact us for more information or to schedule an appointment with a loan officer.

USDA Loan Programs



Our experienced lenders can help you with USDA loans

Surrey Bank & Trust and the U.S. Department of Agriculture are committed to the future of rural* communities.

Through various credit enhancement programs offered by the USDA, Surrey Bank has positioned itself as the premier bank in the regions we serve for these types of loans. 

Watch this video to learn about our efforts in the USDA’s Renewable Energy program. 

Government-guaranteed USDA loan programs are open to individuals, corporations, cooperatives, partnerships, and other for-profit and nonprofit entities, public and private. Loans can be used for an array of purposes: business and industrial startups, acquisitions, construction, conversion, expansion, repair, refinancing, permanent working capital, pollution control, home ownership, and even building a school.

 Our lending staff has extensive experience with the following types of USDA programs:

  • Rural Development Business & Industry
  • Community Facilities
  • Farm Service Agency (FSA)
  • Renewable Energy Program (REAP)
  • Water and Sewer Infrastructure
  • Electric and Telecommunication Cooperative Loans
  • Single Family Housing
  • Rural Rental Housing

For more information about USDA loan programs, contact us. 

 * The USDA defines rural areas, as cities, towns and their surrounding areas with populations under 50,000, with priority for rural communities with populations under 25,000.


External Disclaimer

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Email Disclaimer

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