Centerstone SBA Lending, Inc.

This is a financial institution that provides SBA 7(a) loans to small businesses, helping them secure funding for growth, working capital, or asset purchases. You can find personalized lending solutions tailored to your business needs, along with expert guidance throughout the application process.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, though walk-ins may be accommodated depending on availability. Contact the branch in advance for the best experience.

The branch typically operates Monday through Friday from 9:00 AM to 5:00 PM. It's advisable to call ahead to confirm hours or to set up an appointment.

There are no fees for simply visiting the branch; however, loan processing and origination fees may apply when securing financing. These fees are disclosed upfront during the application process.

This lending service is open to small business owners and entrepreneurs who meet the eligibility criteria, regardless of residency, as long as they operate within the supported regions and industries.

A minimum personal credit score of around 640 is generally required, though higher scores improve the likelihood of approval and favorable terms.

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

Most banks keep weekday business hours and are closed on weekends, and Centerstone SBA Lending, Inc. 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 Centerstone SBA Lending, Inc. to confirm current weekend availability before you go.

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

The core details for Centerstone SBA Lending, Inc. — 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 Centerstone SBA Lending, Inc. before applying. If you represent Centerstone SBA Lending, Inc., claim this listing to keep its information up to date.

Email: info@teamcenterstone.com (in addition to phone (213) 805-5220 listed in baseline); confirm current contact methods directly with the lender.

Based on its approved SBA loans, Centerstone SBA Lending, Inc. most often finances businesses in restaurants & food service, hotels & lodging, general retail, transportation & trucking, wholesale & distribution, and construction & contractors. This reflects Centerstone SBA Lending, Inc.'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 Centerstone SBA Lending, Inc. 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 Centerstone SBA Lending, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact Centerstone SBA Lending, Inc. and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Centerstone SBA Lending, Inc. is identified as a Direct Preferred Lender Program (PLP) Lender, enabling faster in-house loan approvals; confirm current status with the lender.

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