
Business Loans
Flexible, Local Business Financing
Get the capital you need with personalized attention, sound advice, and quick decisions made locally by a bank that understands your business.
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Customized Financing
We’re proud to offer custom, flexible financing for businesses that may have been turned down elsewhere.
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Local Knowledge
As a community bank, we bring deep insight on local markets, real estate and business financing options.
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Full-service Solutions
Beyond financing, we provide a full suite of business services to support your efficiency and your growth.
Business Loan Options
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Term Loans
Our customizable term loan packages (payable over 12-84 months) can help you purchase equipment or inventory, or cover other business expenses.
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California Loans & Lines
Term loans for business or asset acquisition, as well as lines of credit for short-term working capital, are available through the California State Loan Program.
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Lines of Credit
Use your assets to finance short-term needs or turn Accounts Receivable into cash, while making interest-only payments (at competitive rates) on the amount you use.
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Letters of Credit
Standby letters of credit and commercial letters of credit can be used in a range of circumstances to help your business grow, diversify or meet new challenges.
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Commercial & Industrial Loans
Whether you’re seeking working capital or looking to finance new equipment, we offer customized solutions and personal service based on your specific challenges.
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Paycheck Protection Program Loans
As part of the CARES Act, the SBA issued emergency relief funds to aid small businesses affected by the COVID-19 crisis. Learn more about how CBB is helping small businesses with PPP loans.
Which SBA Loan Option is Right for Me?
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Best for ...
Best for ...
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Usage
Usage
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Benefits
Benefits
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Interest
Interest
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Term
Term
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Prepayment
Prepayment
SBA ADVANTAGE LOAN (7A)
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Best for ...
Professionals seeking to establish a medical practice, or entrepreneurs with a feasible business plan and relevant management expertise.
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Usage
Startups, working capital, business acquisition, tenant improvement, CRE purchase (including construction). Learn more about the SBA Loan 7a (PDF)
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Benefits
Lower down payment to conserve working capital
Longer term than conventional financing
Fully amortized loans -
Interest
Fixed or variable
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Term
Up to 10 years
Up to 25 years fully amortized for Commercial Real Estate -
Prepayment
No penalty after three years
SBA GROW LOAN (504)
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Best for ...
Those who would invest in commercial real estate if the costs were low enough to maintain liquidity while making payments.
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Usage
CRE purchase, purchase of equipment with a useful life of 15 years or greater. For more details, see the SBA 504 loan program explained (PDF)
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Benefits
Lower down payment to conserve working capital
Up to 90% LTV financing
Longer term than conventional financing
Fully amortized loans -
Interest
Fixed or Variable
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Term
Bank loan up to 25 years
SBA/CDC loan is 20 years for CRE purchase -
Prepayment
Penalty declines each year; no penalty after 10 years
Meet Our Business Relationship Managers
You Might Also Be Interested In
Commercial & Industrial Loans
You can use a CBB real estate loan to buy, invest in, refinance, or build commercial buildings. They can also apply to residential projects with five or more units.
Construction & Land Loans
Need to acquire land for a commercial or residential development project? We provide financing to owners and developers on owner-occupied properties.