Fulton Bank (SBA lending)
At a Glance
The rare desk whose SBA director writes the acquisition mechanics down before you ever call: injection floor, seller-note half, rate band. The book in our file is modest, so treat it as the mid-Atlantic conversation where the structure arrives already agreed on paper.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The program table publishes sizes and terms, the 7(a) to $5 million up to 15 years, the small loan to $350,000 at 7 to 25 years, Express from $50,000 to $350,000; no down payments or rates on the product page. The director-signed acquisition guide states what the table does not: a 10% minimum injection, up to half of it from a subordinated seller note on deferred payments, and an early-2026 rate context of 9.75% to 14.75% depending on size, term, and profile. Our FOIA computation places it fifth in Maryland's and fifth in Delaware's change-of-ownership top fives across the file's six years, 25 loans across the two.
- Best For
- Mid-Atlantic buyers who want a Preferred Lender whose SBA desk explains acquisition structure under its own name before the first call
- Type
- Bank (lends directly)
- Footprint
- A mid-Atlantic regional; its own pages publish no lending-area list. It publishes a region rather than a state list, so ask on the first call whether it lends where you are buying.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Published Terms
- Program table to $5 million and 15 years on the 7(a); the director-signed guide states a 10% minimum injection, half allowable from a subordinated seller note, and a 9.75% to 14.75% early-2026 rate context.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- Its Director of SBA Lending signs a dated acquisition guide stating the 10% injection floor and the seller-note-for-half structure, depth almost no regional publishes
- The program table is published: 7(a) to $5 million and 15 years, the small loan and Express bands beside it
- States it meets all Preferred Lender Program eligibility requirements, and names business acquisition first among uses
- The guide's rate context, 9.75% to 14.75% in early 2026, is more candor than most product pages ever show
Cons
- A modest change-of-ownership book in our file, 25 loans across two fifth-place seats, Maryland and Delaware
- The concrete figures live in the education center, educational copy rather than a product commitment
- Its own pages publish no lending-area list, so reach is a question for the officer despite third-party five-state descriptions
- No searcher-community footprint we could verify, so there is no practitioner account of how it handles a search-fund file
What Searchers Say
The Preferred Lender eligibility line, the program table, and the acquisition use are its product page's; the injection floor, seller-note structure, and rate context are its own education center's, signed by its Director of SBA Lending. Our FOIA computation independently places it fifth in Maryland and fifth in Delaware across the file's six years. Third-party descriptions of a five-state footprint exist; its own pages state no lending-area list, so we do not.
How to Approach
Fulton Bank (SBA lending) is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder
Put It to Work
Lender Match puts this lender beside the others, filtered by your deal.