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Small Business Financing

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SBA Loans

As a small business owner, growing, scaling and managing your business can be challenging. If you’re looking for capital and want to operate at your fullest capacity, an SBA loan might be the solution you’re looking for.


As a SBA preferred lender, CalPrivate Bank has a dedicated division of specialists with Private Business Capital, who can offer competitive interest rates and repayment terms up to 25 years.


Visit our division of experts at PB Capital.

Concierge Experience

Become a Valued CalPrivate Client

Small Business

Administration (SBA) Loans

We provide business start-up loans, loans for business acquisition and partner buyouts, owner-occupied commercial real estate loans, equipment, furniture and fixture and other loans at attractive advance and interest rates. These government guaranteed loans often provide a superior solution for small businesses.


Let our experts assist you through the process in an expedited fashion. Loans are available up to $5 million.

Concierge Experience

Become a Valued CalPrivate Client

SBA Loans

CalPrivate Bank offers Small Business financing with Small Business Administration loans (SBA). We have an exceptional team of highly qualified and experienced SBA lenders, underwriters and processors dedicated to providing superior service and timeliness to Clients qualifying for SBA 7(a) and 504 loans.

Business Acquisition Partner Buyout Loans

  • Require direct/relevant/translatable operating experience
  • Business plan with one-year projections
  • Business valuation
  • Minimum owner investment is 15% of total project cost
  • Seller financing may be considered as investment
  • Loan term up to 10 years with no prepayment penalty
  • Financing only available for 100% transfer of ownership


SBA7A and SBA 504 Loans are available. Our experienced team will advise which loan is best for you.

  • Standard 90% financing for owner-occupied properties including tenant improvements
  • Fully Amortized loans with terms up to 25 years
  • Minimum 51% owner-occupied requirement for existing building
  • New construction financing with construction/take-out all-in-one available if minimum of 60% owner-occupied.
  • Possible to refinance existing notes if note is on unreasonable terms.

Fixtures & Equipment

  • New or Used Equipment
  • Term Generally 10 Years, no prepayment penalty

Start-Up Loans

  • Businesses with less than one full year of operations
  • Operator has direct/relevant and translatable experience
  • Business plan with two years projections
  • Minimum equity required is 25% of total project cost
  • Term up to 10 years with no prepayment penalty

Loans For Other Purposes

  • Working Capital
  • Inventory Purchase
  • Business Debt Refinance & Leasehold
  • Improvement loans also available

Loan Pricing Can

Be Very Attractive.

Interest rates are floating and adjustable depending on loan type.

Collateral Requirements

Generally, a 1st lien position is required on assets being acquired with loan proceeds. Trust deeds on homes may be required depending on equity position, strength of deal, and other factors. All available forms of collateral required until considered fully secured.

Our Eligibility

Requirements Include

Business must be for-profit with maximum business net worth of $15,000,000 and maximum net profit $5,000,000. Personal credit history with minimum FICO score of 650 and any derogatory credit requires written explanation.

New & Established Businesses

Benefit from SBA Loans

Easier qualification, longer terms and lower down payments on fixed assets than most standard loans.

About Qualifying for an SBA Loan

CalPrivate meets all SBA Preferred Lender program eligibility criteria, including proficiency in processing and servicing SBA-guaranteed loans. Talk to a small business specialist by phone, or in person, to get a recommendation and start your application.


  • You own and operate a for-profit business
  • Your business is legally organized as a sole proprietorship, corporation, partnership or LLC.
  • Your business does not generally qualify for conventional credit.

Start Your Business

Grow Your Business

SBA 504

Loans from $350,000

  • Purchase equipment
  • Purchase commercial real estate
  • Fund construction or renovation
  • Loans from $350,000
  • Favorable Terms

SBA 7 (a)

Loans from $350,000 – $5 Million

  • Purchase equipment or inventory
  • Purchase or expand a business
  • Get working capital
  • Refinance debt
  • Terms:
  • Up to 7 years for working capital
  • Up to 10 years for purchases
  • Up to 25 years for real estate

SBA Lending

Frequently Asked Questions

Learn More by Contacting a Banking Professional


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