Woman standing in the doorway of a small business

SBA Loans


Grow With Who You Know

When you partner with us, you can feel confident to dream big. Finance your small business need with us. As an SBA Preferred Lender, not only do we have the expertise to back us, we can also streamline and process your applications quicker, saving you time. Talk to an SBA Loan Officer to get the service and satisfaction you deserve or fill out an SBA Loan Inquiry below!

SBA Loan Inquiry (PDF 57KB)

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Features 504 Term Loans 7(A) Term Loans Express Lines and Loans CAPLines USDA B&I
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Loan Size Up to $25 million


Up to $5,000,000 Up to $350,000
Up to $5,000,000
Up to $25 million
Use of Proceeds

Buildings (Purchase, new construction or renovation) 

Machinery or equipment (with a minimum useful life of 10 years)

Land

Buildings

Machinery & Equipment

Furniture & Fixtures

Inventory

Working Capital

Business  Acquisition

Start-up Business

Land

Buildings

Machinery & Equipment

Furniture & Fixtures

Inventory

Working Capital

Business  Acquisition

Revolving Lines of Credit for:

Short Term Working Capital

Finance receivables

Finance Inventory

May be revolving

Real estate 

Machinery & Equipment

Inventory

Working Capital

Leasehold Improvements


Collateral

The Bank loan is secured with 1st DoT 

CDC/SBA loan secured with 2nd DoT

All owners of 20% or more must provide personal guaranty

First secured interest in business assets and/or a mortgage on real estate 

All owners of 20% or more must provide personal guaranty, may be secured by available home equity

First secured interest in business assets and/or a mortgage on real estate 

All owners of 20% or more must provide personal guaranty, may be secured by available home equity

First on Accounts Receivable and Inventory

All owners of 20% or more must provide personal guaranty, may be secured by available home equity  
Real Estate - 80% or less appraised value

Accounts receivable

All owners of 20% or more must provide personal guaranty, may be secured by available home equity  
Loan Terms

Fully amortized up to 25 years 

Equipment – up to 10 years (or useful life)

Working capital – up to 10 years 

Equipment – up to 10 years (or useful life)

Inventory – up to 7 years

Real estate – up to 25 years

Working capital – up to 10 years

Equipment – up to 10 years (or useful life)

Inventory – up to 7 years

Real estate – up to 25 years

Up to 10 years

Real Estate - 30 years maximum

Working Capital -  7 years maximum

Equipment -  15 years maximum

Interest Rate The Bank loan – negotiated rate between borrower and Bank (fixed or variable)

SBA loan – below market fixed rate – fixed payment, loan rate set when debenture is sold
Variable Rate Fixed or Variable Rate
Variable Rate Bank loan - negotiated rate between borrower and Bank (fixed or variable)

For more information about SBA Loans please contact the SBA Department at (559) 323-3472 or fill out an SBA Loan Inquiry above.

Please note: This information is accurate as of January 1, 2023. Central Valley Community Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.