How International Trade Loans Help Small Businesses Compete Globally

Expanding into international markets can unlock major growth for a small business, but it often requires a significant upfront investment. International trade loans are designed specifically to help small businesses make this investment. Whether your business is competing against imports, growing exports, or acquiring a company with global potential, an international trade loan gives you the capital you need to grow and compete internationally. Backed by the SBA with favorable terms, longer repayment periods, and lower equity requirements, international trade loans make global growth more accessible and less risky for businesses.

To qualify for an international trade loan, your business must be expanding into an international market or have been negatively impacted by imports. You must be able to show that the loan would help improve your company’s competitive position.

Key Loan Details:

Loan amount: Up to $5,000,000
Terms:
- Real estate: up to 25 years
- Business acquisition: up to 10 years
- Equipment: up to 10 years (or 15 years with supporting asset life)
- Mixed-purpose: maturity depends on the dominant use of funds
Equity injection: 10% of the project cost, typically
Collateral: Consistent with other SBA lending guidelines

Businesses can use the funds from an international trade loan for a variety of purposes, including but not limited to:

Building, renovating, or expanding U.S.-based facilities
Purchasing equipment needed to produce goods or services for international markets
Providing working capital to support day-to-day operations
Acquiring another small business as part of a global expansion

An international trade loan is a versatile tool for businesses that are taking the next big step. Working with FNB Small Business Finance allows businesses to navigate a risky move with as few headaches as possible. Are you considering whether an international trade loan is right for your business? Talk to one of our BDOs today to learn more.