Beach Cities Commercial Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Beach Cities Commercial Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 16 | $5.6M | $350K | 9.1% |
| 322230 | Stationery Product Manufacturing | 16 | $16.0M | $1.0M | 9.1% |
| 541219 | Other Accounting Services | 8 | $26.4M | $3.3M | 4.5% |
| 621420 | Outpatient Mental Health and Substance Abuse Centers | 8 | $12.2M | $1.5M | 4.5% |
| 541620 | Environmental Consulting Services | 8 | $2.4M | $300K | 4.5% |
| 812112 | Beauty Salons | 8 | $7.4M | $923K | 4.5% |
| 561730 | Landscaping Services | 8 | $1.1M | $138K | 4.5% |
| 423310 | Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 8 | $2.0M | $250K | 4.5% |
| 236220 | Commercial and Institutional Building Construction | 8 | $11.6M | $1.4M | 4.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $1.2M | $150K | 4.5% |
Geographic Distribution
SBA lending activity for Beach Cities Commercial Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 160 | $169.0M | 90.9% |
| New York (NY) | 8 | $7.4M | 4.5% |
| Michigan (MI) | 8 | $3.5M | 4.5% |
Why Choose Beach Cities Commercial Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 176 SBA loans approved, totaling $179.9M in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), Stationery Product Manufacturing, Other Accounting Services
- ✓Competitive Terms: Average interest rate of 9.31% with flexible term lengths averaging 137 months
- ✓Loan Range: Loan sizes from $100K to $3.5M, with an average of $1.0M
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in CA, NY, MI
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 offices of physicians (except mental health specialists), stationery product manufacturing, other accounting services, outpatient mental health and substance abuse centers. 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 9.31% and average term length of 137 months (approximately 11 years). Loan sizes range from $100K to $3.5M, with an average loan size of $1.0M.
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 176 SBA loans totaling $179.9M since 2020. 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, NY, MI. 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?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.