Partners Bank of California

This is a bank that offers SBA loan programs and financial services to help small businesses grow and succeed. You can find information about different loan options, application processes, and support services tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.

Partners Bank of California is open Monday through Friday from 9 AM to 4 PM PT and observes federal holidays. Please confirm these hours with the bank directly.

There are no fees to visit or inquire; however, loan processing and application fees may apply depending on the services used.

This bank's services are open to small business owners nationwide, regardless of residency, provided they meet the lending criteria.

Typically, a minimum personal credit score of 640 is preferred, but higher scores improve approval chances.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Partners Bank of California 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 Partners Bank of California to confirm current weekend availability before you go.

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

The core details for Partners Bank of California — 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 Partners Bank of California before applying. If you represent Partners Bank of California, claim this listing to keep its information up to date.

You can reach Partners Bank of California by phone at (949) 732-4000 or online at pbofca.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Partners Bank of California before relying on them.

Based on its approved SBA loans, Partners Bank of California most often finances businesses in construction & contractors, wholesale & distribution, medical practices & clinics, automotive repair & services, and general retail. This reflects Partners Bank of California's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Partners Bank of California which sectors 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 Partners Bank of California participates in SBA Express depends on its specific SBA lending authority. Contact Partners Bank of California 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. Partners Bank of California 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. Partners Bank of California's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Partners Bank of California 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 Partners Bank of California 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 Partners Bank of California 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 Partners Bank of California 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. Partners Bank of California weighs this case by case under its own policy, so be upfront about your history and ask Partners Bank of California how it evaluates prior bankruptcies.