Name: Proficio Bank. Descripton:As a Small Business Administration (SBA) approved lender, Proficio Bank understands the financing needs of small and growing businesses. Our knowledgeable experts take pride in delivering customized 7(a) and 504 loans to help your business prosper. Proficio Bank can meet a variety of small business needs including debt consolidation, commercial real estate, business acquisition, construction and business start-up. The 7(a). together with the 504 program, are some of the only commercial loans available for those who do not have a lot of equity or a large down payment since both can be approved with as little as 10% down or 10% equity. The 504 loan, while an excellent low risk loan still has some risk for a lender, because the SBA guarantee only covers the SBA debenture.