Making the Loan Process Easy

SBA Loans

At Heritage Bank of Commerce, our extensive Small Business Administration (SBA) loan experience and tenured lending group help make the loan process easier for eligible businesses across California.

For more information, please contact the SBA Lending Department at 866-581-6479.

CONTACT AN EXPERT
Soup Kitchen Image

Personalized and Proven Expertise

Flexible Lending Solutions

Partnering with the SBA, our suite of flexible lending solutions typically have longer terms and a lower down payment than what is available with a traditional commercial loan.

SBA 7(a) Owner-User CRE Loans

Purchase, Refinance, & Construction
$5MM maximum loan amount
Up to 90% LTV
Up to 25-year full amortization (no balloon)
WSJ Prime + bank margin
3-year pre-payment penalty

Use of proceeds: Working Capital, Equipment, Start-up, Business acquisition, Partner buyout (partial or full), Debt refinance, or Expansion
$5MM maximum loan amount
Up to 10-year full amortization (no balloon)
WSJ Prime + bank margin
Up to 100% financing
No pre-payment penalty

Purchase, Refinance, & Construction
$20MM maximum project size
Up to 90% LTV
Up to 25-year amortization
Fixed and variable rate options available
Pre-payment penalties vary

Visit the SBA and USDA websites to learn more about the government’s programs.