1 Owner-occupied means a minimum of 51% owner occupancy.2 Competitive rates that consider your overall business relationship with Bank of America. 3 Collateral and documentation requirements are subject to SBA guidelines.All loans are subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. Bank of America may prohibit use of an account to pay off or pay down another Bank of America account. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.Bank of America, N.A. Member FDIC. ©2015 Bank of America Corporation | ARQXJKQN | 10-15 | SHEET-09-15-1109 | SB-077-SBA7a-P

For owner-occupied commercial building financingPut the power of one of the nation’s leading lenders to work for you with Bank of America’s SBA 7a Owner-Occupied Commercial

Real Estate Loan. It may be an option when conventional financing is not an alternative.1

Key features and benefits

� SBA 7a program offered by Bank of America has a minimum loan amount of $350,000 and a maximum loan amount of $5,000,000

� Improved cash flow through support of the SBA 7a 25-year term and competitive fixed rate2

� Appropriate for clients requiring a longer term than available conventionally

� Loan-to-value of up to 90% of the lesser of the purchase price or appraised value3

Purpose3 Maximum term

Real Estate Purchase Up to 25 years. Available for eligible Owner-Occupied Commercial Real Estate purchases.

Real Estate Refinance Up to 25 years. Available for eligible Owner-Occupied Commercial Real Estate refinances of non-Bank of America loans that are not currently guaranteed by the SBA.

SBA requires all owners with 20% ownership or greater to personally guarantee the loan. Owners

with less than 20% may be required to guarantee if they have a major influence on the business.

Let’s talk

S M A L L B U S I N E S S A D M I N I S T R AT I O N L OA N S

Imagine buying the building you’ve been renting or expanding your business