Summit State Bank

This is a financial institution offering SBA loan programs and small business financing solutions, with a focus on supporting local entrepreneurs and business growth.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.

There are no fees to visit the branch; however, loan application and processing fees may apply depending on the service.

This bank primarily serves local residents and small business owners within the region, but eligibility varies by loan program.

A minimum personal credit score of 640 is generally required for loan approval, though higher scores improve chances.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of documentation and loan complexity.

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

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

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

You can reach Summit State Bank by phone at (707) 568-6000, online at summitstatebank.com, or by email at info@summitstatebank.com. For SBA loans specifically, confirm current contact methods and availability with the bank.

Based on its approved SBA loans, Summit State Bank most often finances businesses in hotels & lodging, restaurants & food service, automotive repair & services, gas stations & convenience, medical practices & clinics, and food manufacturing & processing. This reflects Summit State 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 Summit State 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 Summit State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Summit State 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. Summit State Bank 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. Summit State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Summit State 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 Summit State 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 Summit State 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 Summit State 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. Summit State Bank weighs this case by case under its own policy, so be upfront about your history and ask Summit State Bank how it evaluates prior bankruptcies.