SBA Loan Programs
Our SBA programs offer flexibility and consistency.
Explore our SBA services
Real Estate Acquisition
Up to 90% LTV
Up to 10 year term, amortized over 25 years
Business and/or Commercial Real Estate
Up to 85% LTV
Up to 10-year Term
SBA Loans from California Business Bank
California Business Bank offers business owners our lending and financing expertise. Whether you’re expanding, refinancing debt or starting a new venture—we’re interested, experienced and focused on your success. If you have new opportunities and can benefit from improved cash flow, please contact us.
To learn more, email us at [email protected] or complete the form below.
Streamlined SBASBA loans for every business - from small and simple to large and complex
- Apply any time – day or night
- Application takes less than 30 minutes
- Receive funds in 5-7 business days after approval
- For working capital and business expansion only
- Must own business for 2+ yrs
- Maximum loan amount = $150,000
Traditional SBAOur traditional SBA loan for working capital and business expansion
- One-on-one attention from an experienced commercial banker
- Loans can be customized for your business
- Loans to be used for business expansion, working capital, certain real estate purchases, and more as approved by the SBA
- Certain startups are eligible
- Loans up to $2,000,000
- Apply now using the form to the right
SBA Loans Frequently Asked Questions
- You will need good, solid credit and some collateral
- Time to process and give approval. You may wait up to 90 days or more to get your loan.
- For Commercial Real Estate Loans you must Occupy 51% or more of the building.
- 7a- 15%-25% down
- 504-10%-15% down
SBA 7a and SBA 504
Small Business Administration loans can provide flexible financing options at competitive terms if you're starting or growing a small business. Depending on the type of loan, it can be used for a range of purposes, such as buying equipment, real estate or inventory.
The main difference between an SBA loan and a conventional loan is that an SBA loan is partially guaranteed by the government. Because of this, SBA loans typically have higher amounts, lower interest rates, and longer repayment terms.
Provisional credit is available which provides access to fund the next business day. Traditional credit would be subject to pick up time and verification by courier.
No! We offer flat rate, all-inclusive pricing for virtual vault clients. The Smart Safe solution maximizes the amount of money you get to keep with your cash handling processes, no matter how much you deposit.
All streamlined cash deposits can be monitored at the convenience of the administrator via the online portal.
Yes, all pickups can be arranged through armored courier to ensure that your money is moved whenever it is most convenient for you.
Yes, we have a variety of safe models to accommodate cash and coin.
Safes for managing cash can be purchased or leased.