CHFA’s lower equity requirements and long term fixed rates help small businesses reinvest more capital into their businesses, strengthening operations and financial stability. CHFA understands the challenges small businesses face and we are committed to providing the tools necessary to help small businesses grow. CHFA’s small business loans are designed for established businesses. Loan proceeds can be used to finance owner-occupied commercial real estate and equipment. There are no maximum loan sizes, but funds are limited to availability. Small business advantages include: Long terms (up to 20 years for real estate) Fixed interest rates 85 percent financing available In addition to the small business loan program, specialty programs exist for manufacturers, rural businesses and ag businesses.