Home Bank of California
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Home Bank of California · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 541211 | Offices of Certified Public Accountants | 1 | $2.5M | $2.5M | 7.7% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 1 | $349K | $349K | 7.7% |
| 541213 | Tax Preparation Services | 1 | $519K | $519K | 7.7% |
| 322211 | Corrugated and Solid Fiber Box Manufacturing | 1 | $406K | $406K | 7.7% |
| 424990 | Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $1.2M | $1.2M | 7.7% |
| 441120 | Used Car Dealers | 1 | $320K | $320K | 7.7% |
| 541110 | Offices of Lawyers | 1 | $875K | $875K | 7.7% |
| 721191 | Bed-and-Breakfast Inns | 1 | $880K | $880K | 7.7% |
| 623220 | Residential Mental Health and Substance Abuse Facilities | 1 | $575K | $575K | 7.7% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 1 | $700K | $700K | 7.7% |
Geographic Distribution
SBA lending activity for Home Bank of California by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 13 | $10.0M | 100.0% |
Why Choose Home Bank of California?
Based on SBA 7(a) lending track record from 2016-2024
- ✓Proven Track Record: 13 SBA loans approved, totaling $10.0M in financing
- ✓Industry Expertise: Specialized focus on Offices of Certified Public Accountants, Snack and Nonalcoholic Beverage Bars, Tax Preparation Services
- ✓Competitive Terms: Average interest rate of 6.44% with flexible term lengths averaging 273 months
- ✓Loan Range: Loan sizes from $320K to $2.5M, with an average of $773K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Home Bank of California SBA lending
What types of businesses does Home Bank of California typically finance?
Home Bank of California specializes in SBA 7(a) lending to specific industries including offices of certified public accountants, snack and nonalcoholic beverage bars, tax preparation services, corrugated and solid fiber box manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Home Bank of California's typical SBA loan terms?
Home Bank of California's SBA 7(a) loans typically feature an average interest rate of 6.44% and average term length of 273 months (approximately 23 years). Loan sizes range from $320K to $2.5M, with an average loan size of $773K.
Do I need a business valuation for a Home Bank of California SBA loan?
Yes, Home 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 Home Bank of California compare to other SBA lenders?
Home Bank of California has originated 13 SBA loans totaling $10.0M since 2016. 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 Home Bank of California lend in?
Home Bank of California provides SBA 7(a) financing with particularly strong presence in CA. 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.
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Certified valuations are often required for SBA loans over $250,000.
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