California FarmLink

This is a financial institution specializing in providing loans and financial support to farmers and agricultural businesses, helping them grow and sustain their operations.

It is recommended to schedule an appointment to ensure personalized service, but walk-ins may be accommodated depending on availability.

Business hours are typically Monday through Friday from 9 am to 5 pm, but it’s best to contact them directly for specific hours.

Fees depend on the specific loan or service; detailed fee information is provided during the application process.

Services are primarily available to farmers and agricultural businesses within the region, with eligibility criteria based on business type and purpose.

A minimum personal credit score of around 640 is typically recommended, though other factors such as business viability are also considered.

The underwriting process usually takes between 2 to 4 weeks, depending on the completeness of the application and documentation provided.

Most banks keep weekday business hours and are closed on weekends, and California FarmLink typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call California FarmLink to confirm current weekend availability before you go.

California FarmLink is located in California — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for California FarmLink, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by California FarmLink itself, which runs its own lending under its own ownership. If you work at California FarmLink, you can claim this listing from this page to manage it.

The core details for California FarmLink — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with California FarmLink before applying. If you represent California FarmLink, claim this listing to keep its information up to date.

For SBA loans specifically, email loans@cafarmlink.org or call (831) 425-0303. You can also submit an inquiry through their contact form at californiafarmlink.org/contact-us — please confirm all contact details with the lender.

Like most SBA lenders, California FarmLink can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask California FarmLink directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether California FarmLink participates in SBA Express depends on its specific SBA lending authority. Contact California FarmLink and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. California FarmLink can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. California FarmLink's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask California FarmLink directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask California FarmLink what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask California FarmLink to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with California FarmLink to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. California FarmLink weighs this case by case under its own policy, so be upfront about your history and ask California FarmLink how it evaluates prior bankruptcies.