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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.

  • Businessowner Couple

    Customized Financing

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

  • Bay Area

    Local Knowledge

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

  • Customer Experience

    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.

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 Chen

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

  • Steve Layshock
    Steve Layshock
    SVP, Relationship Manager

    925-272-4898
    Email Steve Layshock

    Danville Branch
    740 Camino Ramon
    Danville, CA 94526

  • David Tadevich, AVP Banking Officer
    David Tadevich
    AVP, Banking Officer

    510-433-5437
    Email David Tadevich

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

  • karen vandenberg
    Karen Vandenberg
    SVP, Relationship Manager

    650-389-1011
    Email Karen Vandenberg

    San Mateo Branch
    400 S El Camino Real Suite #100
    San Mateo, CA 94402

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

    925-272-4888
    Email David Meyer

    Danville Branch
    740 Camino Ramon
    Danville, CA 94526

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