| SBA 7(a) | Companion Loan | B&I | |
| Loan Size | $250,000 to $1.5 million | $250,000 to $2 million | $1 million to $10 million |
| Pricing | 2.75% over Prime | 2.75% over Prime | 1% to 2% over Prime |
| Term | Up to 25 years amortization with no balloon payments | Up to 25 years amortization with no balloon payments | Up to 30 years amortization with no balloon payments |
| Prepayment | 5%, 3%, 1% during the first 3 years | Declining scale during the first 5 years | Declining scale during the first 5 years |
| Collateral | 1st and 2nd Mortgage / Deed of Trusts, other collateral as required | 1st and 2nd Mortgage / Deed of Trusts, other collateral as required | 1st and 2nd Mortgage / Deed of Trusts, other collateral as required |
| Recourse | Full guarantee of all owners with 20% or more ownership | Full guarantee of all owners with 20% or more ownership | Full guarantee of all owners with 20% or more ownership |
| Loan to Value | Up to 90% | 50% to 65% for 1st mortgage; up to 90% for all debt | Up to 90% |
| Debt Service Coverage | Minimum 1.00x | Minimum 1.00x | Minimum 1.00x |
| Equity | 10% minimum | 10% minimum | 20% tangible net worth for start-ups; 10% tangible net worth for going concerns |
| Management Experience | At least 2 years in same industry with successful track record in prior business | At least 2 years in same industry with successful track record in prior business | At least 2 years in same industry with successful track record in prior business |
| Borrower Eligibility | Meets SBA requirementso Owner occupiedo Revenue limit of up to $20 million OR no more than 500 employees (depending on NAIC) | Meets SBA requirementso Owner occupiedo Revenue limit of up to $20 million OR no more than 500 employees (depending on NAIC) | Meets USDA requirementso Rural area location, population less than 50,000o Stimulates Job Growth |