PCB Bank
PCB Bank is an active SBA lender in California, a bank offering SBA-guaranteed small-business loans.
$2.2B
in SBA approvals since 2010
2,494
SBA loans funded
Hotels & Lodging · Gas Stations & Convenience · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About PCB Bank
PCB Bank offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides various loan options including the popular SBA 7(a) program, which is suitable for a wide range of business needs such as working capital, equipment purchase, and expansion. Their experienced lending team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Located in Los Angeles, they serve businesses across the region, providing personalized service and flexible financing options. Whether you're a startup or an established company, PCB Bank is committed to helping you achieve your business goals with accessible SBA loans and expert support.
Serves SBA borrowers in 18 states
PCB Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries PCB Bank finances
Business types PCB Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about PCB Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions. You can find assistance with loan applications, financial advice, and support for business growth and expansion.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
Typically, they operate from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to confirm directly with the branch.
Is there a fee to use this?
There are no fees to visit or consult; however, loan processing and application fees may apply depending on the services utilized.
Who is this open to — anyone, or only residents/members?
This institution primarily serves small business owners in the Los Angeles region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The process typically takes between 30 to 60 days, depending on the complexity of the loan application and completeness of documentation.
Is this open on weekends?
PCB Bank's customer service call center operates Monday through Friday only and does not open on weekends. Call center hours are Monday–Thursday 9:00 AM – 5:00 PM PST and Friday 10:00 AM – 5:00 PM PST. Confirm weekend SBA lending availability with PCB Bank.
How do I get there and where do I park?
PCB 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.
Who owns or operates this listing?
This page is an independent directory listing for PCB Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by PCB Bank itself, which runs its own lending under its own ownership. If you work at PCB Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for PCB 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 PCB Bank before applying. If you represent PCB Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach PCB Bank by phone at (213) 210-2000 or online at mypcbbank.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 PCB Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, PCB Bank most often finances businesses in restaurants & food service, general retail, hotels & lodging, gas stations & convenience, wholesale & distribution, and automotive repair & services. This reflects PCB 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 PCB Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether PCB Bank participates in SBA Express depends on its specific SBA lending authority. Contact PCB Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
PCB Bank is an SBA Preferred Lender Program (PLP) member, enabling streamlined loan processing and local decision-making without sending each loan to the SBA first. Confirm current PLP status with PCB Bank.
Are start-up companies eligible for financing at this traditional institution?
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. PCB Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask PCB Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 PCB Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 PCB Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 PCB Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. PCB Bank weighs this case by case under its own policy, so be upfront about your history and ask PCB Bank how it evaluates prior bankruptcies.
