Huntington Bank

What does Huntington Bank offer?

Huntington offers the full SBA menu: SBA 7(a) for general purposes including startups, acquisitions and expansion, SBA Express for smaller, faster loans and lines, and SBA 504 for real estate and heavy equipment. Alongside those it offers conventional term loans, commercial real estate loans and lines of credit for operating needs and larger purchases, and a practice lending program for dental and veterinary businesses. Preferred Lender status means it can approve SBA loans in house rather than waiting on the SBA.

Who does Huntington Bank fund, and who do they decline?

Huntington funds US business owners who meet bank and SBA standards: established businesses with tax returns that support the payment, owners with reasonable credit, and projects with a clear purpose. Its SBA team specifically supports startups, acquisitions and expansions, and its practice lending serves dentists and veterinarians buying or growing a practice.

The profile does not publish minimums or decline criteria. As a bank, expect it to decline files with recent credit problems, thin cash flow or no owner equity in the project. If a bank has already said no, our bank said no page covers the next steps.

What does it typically cost and how fast is it?

Huntington does not publish rates or fees on the profile; pricing is quoted per file. SBA 7(a) and Express loans are priced within SBA caps over prime, and SBA 504 loans carry a fixed rate on the debenture portion, so our SBA 7(a) and SBA 504 pages give reliable ranges. Conventional bank loans are usually the cheapest money a business can get if it qualifies. Expect weeks, not days: our how long it takes guide sets expectations by product.

What will you need to apply?

Prepare a full bank package: three years of business and personal tax returns, year to date financial statements, a debt schedule, personal financial statements for each owner, a business plan or project summary with sources and uses, and purchase agreements for an acquisition or real estate. Our document checklist lists everything.

How does Huntington Bank compare with similar lenders?

Live Oak Bank is a national SBA focused bank with industry teams for healthcare, professional services, franchises and veterinary practices, plus its own Live Oak Express product, so it competes directly on practice and acquisition deals. Ready Capital is a non bank SBA Preferred Lender offering 7(a) loans and commercial real estate finance. Huntington's advantages are the full conventional bank relationship and the 504 program; Live Oak often moves faster on specialized industries.

How to apply

Apply once on this site and matching shows whether Huntington Bank, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.