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Commercial Bank of California

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Description

The Commercial Bank of California offers specialized SBA lending services tailored to small and medium-sized businesses seeking financial support for growth and expansion. With a focus on SBA 7(a) loans, this institution provides flexible financing options for various business needs, including working capital, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Irvine, California, the bank leverages its regional expertise to serve local businesses while also supporting clients across the nation. They are committed to fostering business development through competitive loan programs, personalized service, and a thorough understanding of SBA requirements. Whether you’re a startup or an established enterprise, their lending solutions are designed to help you achieve your business goals with confidence and support.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.4
Google Review Count
9
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs designed to help small and medium-sized businesses secure funding for growth, equipment, or real estate. You can find personalized assistance, loan options, and guidance through the application process.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in visits may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank"s typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it"s best to contact them directly for specific appointment times or after-hours services.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, standard loan application and processing fees may apply depending on the loan type and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small and medium-sized businesses across the country, regardless of residency, provided they meet the loan eligibility criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval prospects.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
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