Commercial Bank of California

This is a financial institution offering SBA loan programs designed to help small and medium-sized businesses secure funding for growth, equipment, or real estate. You can find personalized assistance, loan options, and guidance through the application process.

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

The bank's typical hours are Monday through Friday, 9:00 AM to 5:00 PM, but it's best to contact them directly for specific appointment times or after-hours services.

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

This bank primarily serves small and medium-sized businesses across the country, regardless of residency, provided they meet the loan eligibility criteria.

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

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

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

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

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

Contact Commercial Bank of California at (714) 431-7000 or through their web form at cbcal.com/contact-us/ — select the 'SBA' option for lending inquiries. Confirm current contact methods directly with the bank.

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