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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.

  • Customized Financing

    We’re proud to offer custom, flexible financing for businesses that may have been turned down elsewhere.

  • Local Knowledge

    As a community bank, we bring deep insight on local markets, real estate and business financing options.

  • Full-service Solutions

    Beyond financing, we provide a full suite of business services to support your efficiency and your growth.

Business Loan Options

  • Term Loans

    Our customizable term loan packages (payable over 12-84 months) can help you purchase equipment or inventory, or cover other business expenses.

  • 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.

  • 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.

  • 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.

  • 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.

  • SBA Loans

    SBA loans offer more flexibility, longer terms and more affordable down-payments than other financing options. To determine if an SBA loan is a good fit for your needs, see “Is an SBA Loan Right for Me?” (PDF)

Which SBA Loan Option is Right for Me?

  • Best for ...

    Best for ...

  • Usage

    Usage

  • Benefits

    Benefits

  • Interest

    Interest

  • Term

    Term

  • Prepayment

    Prepayment

SBA ADVANTAGE LOAN (7A)

  • Best for ...

    Professionals seeking to establish a medical practice, or entrepreneurs with a feasible business plan and relevant management expertise.

  • Usage

    Startups, working capital, business acquisition, tenant improvement, CRE purchase (including construction). Learn more about the SBA Loan 7a (PDF)

  • Benefits

    Lower down payment to conserve working capital
    Longer term than conventional financing
    Fully amortized loans

  • Interest

    Fixed or variable

  • 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)

  • Best for ...

    Those who would invest in commercial real estate if the costs were low enough to maintain liquidity while making payments.

  • 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)

  • 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

  • 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

  • karen chen
    Karen Chen
    VP, Relationship Manager

    510-433-5438
    Email Karen

    Oakland Branch
    180 Grand Ave Suite #120
    Oakland, CA 94612

  • female icon
    Jennifer Collins
    SVP, Director of Community Banking

    510-433-5430
    Email Jennifer

    Oakland Branch
    180 Grand Ave Suite #120
    Oakland, CA 94612

  • wilbur hobbs
    Wilbur Hobbs
    SVP, Chief Lending Officer

    510-433-5428
    Email Will

    Oakland Branch
    180 Grand Ave Suite #120
    Oakland, CA 94612

  • Steve Layshock
    Steve Layshock
    VP, Relationship Manager

    925-272-4898
    Email Steve

    Danville branch
    740 Camino Ramon
    Danville, CA 94526

  • David Meyer
    David Meyer
    SVP, Team Leader & Business Development Officer

    925-272-4888
    Email David

    Danville branch
    740 Camino Ramon
    Danville, CA 94526

  • John Norawong
    John Norawong
    SVP, Director of Banking

    510-433-5427
    Email John

    Oakland Branch
    180 Grand Ave Suite #120
    Oakland, CA 94612

  • karen vandenberg
    Karen Vandenberg
    VP, Relationship Manager

    650-389-1011
    Email Karen

    San Mateo branch
    155 Bovet Rd #150
    San Mateo, CA 94402

  • female icon
    Helen Wyman
    AVP, Community Banking Officer

    510-433-5436
    Email Helen

    Oakland Branch
    180 Grand Ave Suite #120
    Oakland, CA 94612

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.

See commercial loans

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.

See construction and land loans

Apply for Business Financing Today