American Continental Bank

This is a financial institution specializing in SBA loans, offering small businesses access to funding solutions like the SBA 7(a) program. You can find assistance with loan applications, financial guidance, and support for business growth initiatives.

It's recommended to schedule an appointment to ensure dedicated support, but walk-ins may be accommodated depending on availability. Contact the branch in advance for the best experience.

The branch typically operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays or special occasions, so it's best to call ahead.

There are no fees for initial consultations, but standard loan application and processing fees may apply depending on the loan type and amount.

This bank primarily serves small business owners and entrepreneurs, with eligibility based on business criteria and creditworthiness, regardless of residency status within the country.

A minimum personal credit score of 640 is generally recommended, though higher scores can improve the likelihood of approval and better loan terms.

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

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

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

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

You can reach American Continental Bank by phone at (626) 363-8988 or online at americancontinentalbank.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 American Continental Bank before relying on them.

Based on its approved SBA loans, American Continental Bank most often finances businesses in general retail, restaurants & food service, hotels & lodging, gas stations & convenience, wholesale & distribution, and automotive repair & services. This reflects American Continental Bank'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 American Continental Bank 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 American Continental Bank participates in SBA Express depends on its specific SBA lending authority. Contact American Continental Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

American Continental Bank displays SBA Preferred Lender status on its website, indicating it has formal authority to approve certain SBA loans in-house. Please confirm current program availability with the bank directly.

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. American Continental Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask American Continental Bank 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 American Continental Bank 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 American Continental Bank 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 American Continental Bank 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. American Continental Bank weighs this case by case under its own policy, so be upfront about your history and ask American Continental Bank how it evaluates prior bankruptcies.