California Business Bank

This is a bank that offers SBA loan programs and small business financing solutions. You can find personalized banking services designed to help small and medium-sized businesses access capital for growth and expansion.

It is recommended to schedule an appointment to meet with a loan specialist, but walk-ins may be accommodated depending on availability. Calling ahead ensures you get dedicated time with a banking professional.

The bank's branch hours are typically Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to check with the branch directly for specific hours or after-hours appointment options.

There are no fees for accessing basic banking services, but loan applications and processing may involve fees such as application fees, guarantee fees, and closing costs depending on the loan type.

This bank primarily serves small business owners and entrepreneurs in the region, with a focus on local residents and businesses. Non-residents may need to meet additional criteria to qualify for certain loans.

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

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

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

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

For SBA loans, email California Business Bank at [email protected], call (714) 389-9970, or submit the contact form at californiabusinessbank.com/contact-cbb. Confirm details directly with the bank.

Based on its approved SBA loans, California Business Bank most often finances businesses in restaurants & food service and manufacturing. This reflects California Business 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 California Business 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 California Business Bank participates in SBA Express depends on its specific SBA lending authority. Contact California Business Bank 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 Business Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

California Business Bank states that certain startups are eligible for Traditional SBA loans up to $2,000,000. Contact the bank to confirm your startup's eligibility based on specific criteria.

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 Business 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 California Business 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 California Business 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. California Business Bank weighs this case by case under its own policy, so be upfront about your history and ask California Business Bank how it evaluates prior bankruptcies.