Five Star Bank

This is a financial institution offering SBA loan programs to small businesses, providing tailored financing solutions to support growth and development. You can find assistance with SBA 7A loans, guidance on application processes, and expert advice on business funding options.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may be available during business hours depending on availability.

Five Star Bank's Rancho Cordova office is open Monday through Friday, 9:00 AM to 4:00 PM. Please confirm current hours with the branch.

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

This lender primarily serves small business clients within its regional service area, but eligibility for SBA loans is based on business criteria rather than residency alone.

A minimum personal credit score of 620 is generally required for guarantors applying for SBA loans.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

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

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

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

You can reach Five Star Bank by phone at (916) 851-5440 or online at fivestarbank.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 Five Star Bank before relying on them.

Based on its approved SBA loans, Five Star Bank most often finances businesses in construction & contractors, general retail, medical practices & clinics, wholesale & distribution, veterinary services, and manufacturing. This reflects Five Star 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 Five Star 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 Five Star Bank participates in SBA Express depends on its specific SBA lending authority. Contact Five Star 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. Five Star Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Five Star Bank's Rancho Cordova office specializes in Technology & Startup lending, suggesting they work with startup ventures. Confirm current eligibility requirements and support with the branch.

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