Bank of San Francisco

This is a commercial bank offering SBA lending services, where you can find assistance with business loans, including SBA 7(a) programs, tailored to help small and medium-sized businesses grow and succeed.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are fees associated with SBA loans, including application and guarantee fees, which vary based on the loan amount and terms.

This bank primarily serves small and medium-sized businesses in the San Francisco area, but eligibility depends on meeting SBA and bank requirements.

A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval chances.

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

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

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

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

You can reach Bank of San Francisco at (415) 744-6700 or via email at laurelvillage@bankbsf.com for their Laurel Village office, or use their online contact form at /connect/contact-us.

Based on its approved SBA loans, Bank of San Francisco most often finances businesses in restaurants & food service, manufacturing, construction & contractors, dental practices, catering & events, and food manufacturing & processing. This reflects Bank of San Francisco'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 Bank of San Francisco 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 Bank of San Francisco participates in SBA Express depends on its specific SBA lending authority. Contact Bank of San Francisco and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Bank of San Francisco holds SBA Preferred Lender Program status, allowing them to provide guidance and support to help small businesses secure financing. Confirm current status and your eligibility 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. Bank of San Francisco's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of San Francisco 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 Bank of San Francisco 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 Bank of San Francisco 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 Bank of San Francisco 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. Bank of San Francisco weighs this case by case under its own policy, so be upfront about your history and ask Bank of San Francisco how it evaluates prior bankruptcies.