Beach Cities Commercial Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Beach Cities Commercial Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 322230 | Stationery Product Manufacturing | 2 | $2.0M | $1.0M | 10.5% |
| 811192 | Car Washes | 1 | $780K | $780K | 5.3% |
| 562920 | Materials Recovery Facilities | 1 | $3.5M | $3.5M | 5.3% |
| 812310 | Coin-Operated Laundries and Drycleaners | 1 | $390K | $390K | 5.3% |
| 812112 | Beauty Salons | 1 | $923K | $923K | 5.3% |
| 332710 | Machine Shops | 1 | $2.0M | $2.0M | 5.3% |
| 238330 | Flooring Contractors | 1 | $1.5M | $1.5M | 5.3% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 1 | $150K | $150K | 5.3% |
| 423310 | Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 1 | $250K | $250K | 5.3% |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 1 | $1.6M | $1.6M | 5.3% |
Geographic Distribution
SBA lending activity for Beach Cities Commercial Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 17 | $18.9M | 89.5% |
| New York (NY) | 1 | $923K | 5.3% |
| Michigan (MI) | 1 | $440K | 5.3% |
Why Choose Beach Cities Commercial Bank?
Based on SBA 7(a) lending track record from 2024-2025
- ✓Proven Track Record: 19 SBA loans approved, totaling $20.3M in financing
- ✓Industry Expertise: Specialized focus on Stationery Product Manufacturing, Car Washes, Materials Recovery Facilities
- ✓Competitive Terms: Average interest rate of 9.13% with flexible term lengths averaging 139 months
- ✓Loan Range: Loan sizes from $100K to $3.5M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in CA, MI, NY
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Beach Cities Commercial Bank SBA lending
What types of businesses does Beach Cities Commercial Bank typically finance?
Beach Cities Commercial Bank specializes in SBA 7(a) lending to specific industries including stationery product manufacturing, car washes, materials recovery facilities, coin-operated laundries and drycleaners. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Beach Cities Commercial Bank's typical SBA loan terms?
Beach Cities Commercial Bank's SBA 7(a) loans typically feature an average interest rate of 9.13% and average term length of 139 months (approximately 12 years). Loan sizes range from $100K to $3.5M, with an average loan size of $1.1M.
Do I need a business valuation for a Beach Cities Commercial Bank SBA loan?
Yes, Beach Cities Commercial Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Beach Cities Commercial Bank compare to other SBA lenders?
Beach Cities Commercial Bank has originated 19 SBA loans totaling $20.3M since 2024. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Beach Cities Commercial Bank lend in?
Beach Cities Commercial Bank provides SBA 7(a) financing with particularly strong presence in CA, MI, NY. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.