US Metro Bank

This is a commercial bank that provides SBA loan services, business banking, and financial consulting to small and medium-sized businesses. You can access various funding options, including SBA 7(a) loans, and get personalized support for your business growth needs.

You can walk in during business hours or schedule an appointment in advance for personalized service. Many clients prefer to book an appointment to ensure dedicated time with a loan specialist.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's recommended to call ahead or schedule an appointment for specific services or consultations.

There are no fees to visit the branch, but certain services like loan processing or account maintenance may involve fees. Details are provided during your consultation.

This bank serves small and medium-sized businesses within the region and is open to business owners who meet its lending criteria, regardless of residency.

Typically, a minimum credit score of 650 is preferred, but the actual requirement may vary based on the loan type and overall borrower profile.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of the application and the complexity of the loan.

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

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

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

You can reach US Metro Bank by phone at (714) 620-8888 or online at usmetrobank.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 US Metro Bank before relying on them.

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