SBA 7(a) and 504 Loans — Meridian Bank is a sba loan from Meridian Bank. Typical credit limit: owner-occupied commercial real estate Up to $10 million Up to 90% financing; Purchase a business or transition ownership Up to $5 million; Purchase machinery and equipment Up to $5 million Up to 100% financing; working capital Up to $5 million. Loan terms: Up to 25 years fully amortized for real estate, Up to 10 years fully amortized for non-real estate.