Small Business Lending
Evolve Bank & Trust unlocks financing designed for entrepreneurs and provides small business lending solutions that empower success in today’s business environment.
Whether you’re launching a new venture, expanding operations, or investing in essential assets, our expert lending team delivers customized financing options with competitive small business lending rates and flexible terms.
SBA Loan Programs: Government-Backed Funding for Businesses
Small businesses often need financing with favorable terms to support growth. Our Small Business Administration (SBA) loan programs provide access to funding with longer repayment periods and lower down payments. With easy approval for SBA loans, we help businesses secure capital through:
- SBA 7(a) Loans – Flexible financing for working capital, equipment, and business expansion.
- SBA 504 Loans – Designed for purchasing real estate and long-term assets at low fixed rates.
- SBA Express Loans – Streamlined funding solutions with faster approval times.
Small Business Lending Types
Business Acquisition
Secure capital for a seamless transition by buying an existing business. Your small business requires smart financing—Evolve’s small business lending experts provide tailored funding to facilitate acquisitions, helping entrepreneurs take ownership of established businesses with structured repayment plans that align with revenue projections.
Loans may include:
- Loans qualified based on the cash flow of the business being purchased
- May include hard assets or not
- Up to 90% Financing
- 10-year term (or greater with RE included)
- Loans Fully Amortized– No Balloons
- No Prepayment Penalty on non-RE loans
Commercial Real Estate
Investing in your business’s future by owning property can be a strategic move for long-term stability. Our small business loans for commercial real estate support office, retail, or industrial space purchases, property renovation, and expansion, and refinancing of existing real estate loans. We offer competitive small business lending rates and flexible terms to help business owners secure the right location without unnecessary financial strain.
- Day Care Facilities
- Self-Storage Facilities
- Car Washes
- Restaurant
- Professional Office
- Fitness
- Auto Repair / Maintenance facilities
- Hotels
- Retail shops
- Assisted Living Facilities
- Medical / Dental / Veterinary offices
Equipment Financing
Get the equipment and tools needed to succeed—From manufacturing machinery to office technology, the right equipment is essential for productivity. Evolve’s best small business lending options make it simple to acquire or refinance business equipment with structured payment plans that preserve cash flow and optimize operational efficiency.
Example of Equipment Types:
- Machine Tools
- Manufacturing
- Heavy Equipment
- Medical & Diagnostic
- Construction Equipment
- Trailers
- Robotics
Branch Locations
Banking Center
Triad Centre III
6070 Poplar Avenue, Suite 100
Memphis, TN 38119
Lobby Hours
9am-4pm CT, Mon-Thur
9am-6pm CT, Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
123 West Parkin Street
Parkin, AR 72373
Mailing Address
PO Box 526
Parkin, AR 72373
Lobby Hours
8:30am-12pm CT, Mon-Fri
Drive-Thru Hours
8:30am-4pm CT, Mon-Thur
8:30am-5pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
111 East Huntington Avenue
Suite A
Jonesboro, AR 72401
Lobby Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Virtual Teller & ATM
1810 Main Street
Jonesboro, AR 72401
Virtual Teller Hours
8:30am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
1566 Hwy 62/412
Highland, AR 72542
Mailing Address
PO Box 480
Hardy, Arkansas 72542
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Banking Center
301 Shoppingway Boulevard
West Memphis, AR 72301
Lobby Hours
8:30am-5pm CT, Mon-Fri
Drive-Thru Hours
8:30am-5pm CT, Mon-Thur
8:30am-6pm CT, Fri
Closed Sat-Sun & Federal Holidays
Banking Center
1690 North Falls Boulevard
Wynne, AR 72396
Mailing Address
PO Box 1003
Wynne, AR 72396
Drive-Thru Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
2860 I-55 Service Road, Suite A
Marion, AR 72364
Lobby Hours
8am-5pm CT, Mon-Fri
Closed Sat-Sun & Federal Holidays
Financial Center
101 East Chestnut Street Suite A
Rogers, AR 72756
Lobby Hours
8:00am-5pm CT, Mon-Fri
(No Drive-Thru)
Closed Sat-Sun & Federal Holidays
Frequently Asked Questions
What types of businesses qualify for Evolve’s small business lending solutions?
We provide financing for a wide range of industries, including retail, healthcare, manufacturing, technology, and service-based businesses. Our experienced team of small business lending professionals works closely with business owners to match them with the best funding options.
How do I apply for small business start-up loans?
Our streamlined application process ensures small business lending start-ups receive fast and efficient service. Contact our premier lending team to discuss your business plan and financing needs today.
What are the current small business lending rates?
Interest rates vary based on loan type, creditworthiness, and market conditions. Our expert team offers competitive small business lending rates with transparent terms.
How long does the loan approval process take?
For SBA loans and traditional business financing, timelines depend on loan type and documentation. Some programs, like easy approval for SBA loans, offer expedited funding in as little as a few weeks.