SBA sets the guidelines that govern the 7(a) loan program. Close submenu ( Finance Services) Finance Services.With our small business loans, accessing the capital your business needs has never been easier. Apply for a small business loan with Wayne Bank! Areas eligible for SBA disaster loans. See if your county is eligible for an SBA disaster loan. We have a variety of loan options for both small and large businesses. You can partner with us for any of the following business loan options. The 7(a) loan program is SBA's primary business loan program for providing financial assistance to small businesses. This includes building or real estate financing options.