California Bank of Commerce, NA

This is a financial institution that offers SBA loan programs to help small businesses secure funding for growth, real estate, and equipment needs. You can find personalized support and guidance throughout the loan process here.

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

Typically, the branch operates from 9 am to 5 pm, Monday through Friday, but it's best to confirm directly with the branch for exact hours.

There are no fees for visiting the branch; however, loan application and processing fees may apply depending on the services used.

This lender primarily serves small business owners in California, particularly in the San Diego area, but SBA programs are available nationwide for qualified applicants.

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

The underwriting process typically takes 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 California Bank of Commerce, NA 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 Bank of Commerce, NA to confirm current weekend availability before you go.

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

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

You can reach California Bank of Commerce, NA by phone at (619) 849-5741 or online at banksocal.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 California Bank of Commerce, NA before relying on them.

Based on its approved SBA loans, California Bank of Commerce, NA most often finances businesses in construction & contractors, manufacturing, dental practices, medical practices & clinics, restaurants & food service, and wholesale & distribution. This reflects California Bank of Commerce, NA'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 California Bank of Commerce, NA 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 California Bank of Commerce, NA participates in SBA Express depends on its specific SBA lending authority. Contact California Bank of Commerce, NA 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 Bank of Commerce, NA 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 Bank of Commerce, NA's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask California Bank of Commerce, NA 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 Bank of Commerce, NA 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 Bank of Commerce, NA 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 Bank of Commerce, NA 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 Bank of Commerce, NA weighs this case by case under its own policy, so be upfront about your history and ask California Bank of Commerce, NA how it evaluates prior bankruptcies.