World Trade Finance, Inc.
World Trade Finance, Inc. is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 15 Google reviews.
$165M
in SBA approvals since 2010
97
SBA loans funded
Manufacturing · Wholesale & Distribution · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About World Trade Finance, Inc.
World Trade Finance, Inc. offers specialized financial services tailored to international trade and business expansion needs. As a commercial bank located in Los Angeles, CA, it provides a range of SBA-backed loan options to support small and medium-sized enterprises. Their expertise includes facilitating access to capital for businesses involved in various industries, with a focus on trade-related activities. The bank's team is dedicated to guiding clients through the loan process, ensuring they understand the terms and benefits of SBA programs. With a history of supporting SBA 7(a) loans, they assist businesses in securing funding up to $5,000,000, helping them grow and succeed in competitive markets. Their services are designed to meet the unique needs of businesses looking for flexible financing solutions, whether for expansion, equipment purchase, or working capital. The bank's commitment to customer service and industry knowledge makes them a trusted partner for business owners seeking reliable SBA financing options.
Common questions about World Trade Finance, Inc.
What is this place and what can I find here?
This is a commercial bank offering SBA-backed loans and trade finance solutions designed to help small and medium-sized businesses grow and succeed.
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?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside these hours upon request.
Is there a fee to use this?
There are application and processing fees associated with loan services, which vary based on the loan amount and terms.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small and medium-sized businesses in the region, with eligibility based on creditworthiness and business qualifications.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally preferred for loan approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and World Trade Finance, Inc. 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 World Trade Finance, Inc. to confirm current weekend availability before you go.
How do I get there and where do I park?
World Trade Finance, Inc. is located at the address listed on this page — 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 World Trade Finance, Inc., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by World Trade Finance, Inc. itself, which runs its own lending under its own ownership. If you work at World Trade Finance, Inc., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for World Trade Finance, Inc. — 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 World Trade Finance, Inc. before applying. If you represent World Trade Finance, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach World Trade Finance, Inc. by phone at (213) 680-1888 or online at laedc.org — 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 World Trade Finance, Inc. before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, World Trade Finance, Inc. can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask World Trade Finance, Inc. directly which industries 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 World Trade Finance, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact World Trade Finance, Inc. 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?
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. World Trade Finance, Inc. can confirm its current PLP standing — ask before you apply if speed matters to you.
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. World Trade Finance, Inc.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask World Trade Finance, Inc. 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 World Trade Finance, Inc. 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 World Trade Finance, Inc. 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 World Trade Finance, Inc. 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. World Trade Finance, Inc. weighs this case by case under its own policy, so be upfront about your history and ask World Trade Finance, Inc. how it evaluates prior bankruptcies.