Find the best SBA Rates for your industry by searching our SBA Lender Directory

SBARates.com is a data-driven SBA lending intelligence platform. The site provides industry-specific lending insights, lender analytics, approval trends, and average SBA 7(a) loan rates to help entrepreneurs research SBA lenders and prepare for funding.

Commercial Bank of California (CA)

Commercial Bank of California (CA)

The combination of our two institutions creates a unique banking franchise with a renewed commitment to supporting the communities we serve.

Change of Ownership
Existing or more than 2 years old
Preferred Lenders Program
SBA Express Program
Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 36
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $49,574,500
Average SBA Loan Size as of Fiscal Year End 2025 $1,377,069
Average SBA Loan Rate over Prime (Prime is 6.75%) 2.28
Commercial Bank of California (CA)

Unlock Your Financial Potential with Commercial Bank of California (CA)

Commercial Bank of California (CBCal), headquartered in Irvine, California, is a privately owned, full-service commercial bank committed to empowering small and mid-sized businesses with personalized service and innovative financial solutions. Known for its relationship-driven approach and expertise in SBA lending, CBCal provides flexible financing options that help entrepreneurs start, expand, and strengthen their businesses.

Key Features of Commercial Bank of California

  • Comprehensive Business Banking: Business checking and savings accounts, treasury management, merchant services, and lending solutions designed to simplify financial operations and support growth.
  • SBA Loan Expertise: CBCal is an active SBA lender offering SBA 7(a), SBA Express, and 504 loans. Its dedicated SBA lending specialists guide business owners through every step of the process — from prequalification to funding — helping secure affordable, government-backed financing for working capital, equipment, and real estate.
  • Flexible Business Financing: In addition to SBA loans, CBCal offers commercial real estate loans, lines of credit, and term loans, all with quick, local decision-making and competitive rates.
  • Digital Banking Tools: CBCal’s secure online and mobile banking platforms give business owners convenient access to account management, payments, and financial tracking 24/7.
  • Commitment to Community: As a California-based community bank, CBCal is deeply involved in supporting local entrepreneurs, nonprofits, and community development initiatives across Southern California.

Why Choose Commercial Bank of California for SBA Loans?

Commercial Bank of California combines the personal service of a community institution with the efficiency and expertise of a leading SBA lender. Its experienced SBA team provides tailored financing solutions and streamlined approvals, ensuring that each borrower receives the right loan to meet their goals. Whether you’re purchasing commercial property, expanding your team, or refinancing existing debt, CBCal delivers responsive service and expert guidance.

How to Get Started

Ready to grow your business with an SBA loan or other financing option? Visit the Commercial Bank of California Business Banking page to explore current offerings, review eligibility, and connect with an SBA specialist who can guide you through the process.

Empower your financial future today with Commercial Bank of California — where California businesses come to grow.

Industry