Commercial Bank of California
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Commercial Bank of California
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 256 | $546.9M | $2.1M | 14.8% |
| 812199 | Other Personal Care Services | 96 | $89.4M | $931K | 5.6% |
| 722513 | Limited-Service Restaurants | 88 | $100.6M | $1.1M | 5.1% |
| 624410 | Child Day Care Services | 80 | $128.0M | $1.6M | 4.6% |
| 811111 | General Automotive Repair | 64 | $76.8M | $1.2M | 3.7% |
| 722511 | Full-Service Restaurants | 56 | $63.4M | $1.1M | 3.2% |
| 447110 | Gasoline Stations with Convenience Stores | 48 | $51.2M | $1.1M | 2.8% |
| 445320 | Other | 48 | $51.2M | $1.1M | 2.8% |
| 524210 | Insurance Agencies and Brokerages | 40 | $25.3M | $633K | 2.3% |
| 621210 | Offices of Dentists | 40 | $22.8M | $569K | 2.3% |
Geographic Distribution
SBA lending activity for Commercial Bank of California by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,384 | $2.01B | 80.1% |
| Virginia (VA) | 16 | $78.3M | 0.9% |
| Oregon (OR) | 16 | $66.8M | 0.9% |
| North Carolina (NC) | 16 | $43.7M | 0.9% |
| Washington (WA) | 40 | $43.4M | 2.3% |
| Texas (TX) | 32 | $41.8M | 1.9% |
| New Jersey (NJ) | 56 | $38.9M | 3.2% |
| New York (NY) | 16 | $30.1M | 0.9% |
| Arizona (AZ) | 32 | $28.4M | 1.9% |
| Colorado (CO) | 16 | $26.8M | 0.9% |
| Arkansas (AR) | 8 | $24.6M | 0.5% |
| South Carolina (SC) | 8 | $22.7M | 0.5% |
| Nevada (NV) | 16 | $19.3M | 0.9% |
| Oklahoma (OK) | 24 | $19.1M | 1.4% |
| Georgia (GA) | 24 | $13.2M | 1.4% |
| Missouri (MO) | 8 | $9.6M | 0.5% |
| Florida (FL) | 8 | $7.3M | 0.5% |
| Utah (UT) | 8 | $4.0M | 0.5% |
Why Choose Commercial Bank of California?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,728 SBA loans approved, totaling $2.53B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Other Personal Care Services, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.15% with flexible term lengths averaging 235 months
- ✓Loan Range: Loan sizes from $100K to $5.0M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 18 states, with strong presence in CA, NJ, WA
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 Commercial Bank of California SBA lending
What types of businesses does Commercial Bank of California typically finance?
Commercial Bank of California specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, other personal care services, limited-service restaurants, child day care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Commercial Bank of California's typical SBA loan terms?
Commercial Bank of California's SBA 7(a) loans typically feature an average interest rate of 7.15% and average term length of 235 months (approximately 20 years). Loan sizes range from $100K to $5.0M, with an average loan size of $1.5M.
Do I need a business valuation for a Commercial Bank of California SBA loan?
Yes, Commercial Bank of California 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 Commercial Bank of California compare to other SBA lenders?
Commercial Bank of California has originated 1,728 SBA loans totaling $2.53B 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 Commercial Bank of California lend in?
Commercial Bank of California provides SBA 7(a) financing with particularly strong presence in CA, NJ, WA, AZ, TX. 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.
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