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.

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.
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.

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

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