Redwood Capital Bank

This is a bank that specializes in SBA loans, providing small and medium-sized businesses with access to capital through government-backed programs. You can find personalized lending solutions tailored to your business needs and growth plans.

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

The bank's typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it is best to confirm directly with the branch for specific times.

There are no fees for simply visiting or consulting; however, loan processing and application fees may apply during the financing process.

This bank primarily serves local residents and businesses within the Eureka region, but they may also work with out-of-area clients based on specific loan criteria.

A minimum personal credit score of around 650 is generally preferred, but stronger scores can improve approval chances.

Typically, the underwriting process can take between 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.

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

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

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

You can reach Redwood Capital Bank by phone at (707) 444-9800 or online at redwoodcapitalbank.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 Redwood Capital Bank before relying on them.

Based on its approved SBA loans, Redwood Capital Bank most often finances businesses in general retail, cleaning, landscaping & janitorial, construction & contractors, hotels & lodging, restaurants & food service, and automotive repair & services. This reflects Redwood Capital 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 Redwood Capital 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 Redwood Capital Bank participates in SBA Express depends on its specific SBA lending authority. Contact Redwood Capital Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Redwood Capital Bank is a Preferred SBA Lender, which means they can approve SBA loans in-house without requiring individual loan approvals from the SBA. Please confirm their current Preferred Lender status when applying.

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