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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
51% Owner-occupied

Debt Refinancing

Business and/or Commercial Real Estate
Equipment Loans

Business Acquisition

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 SBA

SBA 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 SBA

Our 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

Apply Now

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

30-90 Days

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.

$350,000