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Small Business Loans

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Small Business Loans

Flexible Business Loans to Meet Your Needs

We understand how important your business is to you. Our expert lending professionals know the local marketplace, are advocates for you and your business and will do all they can to help your enterprise succeed. Partner with us for all your Small Business Lending needs so you can get back to what matters. Applying is easy! Contact our Small Business Lending team at (800) 298-1775 or stop by any one of our convenient locations today!

Please note: Information required may vary based on loan request. This information is accurate as of January 1, 2023. Community West Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.

Use Your Loan For

Working Capital
Business Expansion
Small Business Needs
Managing Cash Flow
Equipment Financing
Overdraft Protection
Loan or Line of Credit
Finance Inventory
Finance Receivables

Loan Details

Small Business Lines & Loans: $25,000 - $250,000
Various Terms
Fixed and Variable Rates
Payments Vary by Product and Loan Amounts
Access via Online Banking
Collateral Unsecured or Secured
Local Underwriting
Local Relationship Officer
Must Have Banking Relationship
30 Day Out of Debt Required on Small Business Line of Credit

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Quick Business Credit

Local underwriting ensures quick access to funds when you need them fast.

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SBA 504 Loans

Long-term financing, low down payments, fixed rates. Preferred SBA Lender.

Small Business Loans

Features	Quick Business CreditSM	Small Business Loans	SBA Loans	Commercial Real Estate	Small Farm Loans
General Purpose	Equipment financing Overdraft protection Short-term working capital Business expansion Loan or Line of Credit	Loan or Line of Credit Equipment financing Working capital Business expansion Finance inventory Finance receivables	Working capital Business expansion Business purchase Debt refinance Equipment purchases Real estate	Acquire new facilities Refinance existing building	Crop production financing Loan or Line of Credit
Loan Amounts	Up to $25,000	$25,000 – $250,000	$15,000 – $250,000	$25,000 – $500,000	Up to $500,000
Terms Available	Various	Various	Real estate up to 25 years Equipment up to 10 years Working capital up to 7 years	Various	Various
Interest Terms	Fixed and variable rates	Fixed and variable rates	Fixed and variable rates	Fixed and variable rates	Fixed and variable rates
Monthly Payment	Varies with loan amount and term	Varies with product and loan amount	Varies with product and loan amount	Principal and Interest Interest Only	Varies with product and loan amount
Access	By phone or in person and by check if Line of Credit Loan funds can be transferred between accounts View and make payments and advances through Business Online Banking	View, transfer funds and make payments through Business Online Banking(1) By phone or in person and by check if Line of Credit	Single and multiple disbursements View and make payments through Business Online Banking	Single disbursement By phone or in person	Single and multiple disbursements By phone or in person or through online banking
Collateral	Unsecured or secured	Unsecured or secured	Secured	Real estate	Unsecured or secured
Additional Information	Requires limited financial information - varies by loan request Quick decisions and access to funds	Loan or Line of Credit Information required may vary based on loan request Easy access to funds Continuous access to credit	SBA Preferred Lender Term loans and Lines of Credit Other governmental loan programs	Owner and Non-owner occupied Appraisal and environment assessment may be required	For farm equipment loans, see a representative for more details

Small Business Loans

Features	General Purpose	Loan Amounts	Terms Available	Interest Terms	Monthly Payment	Access	Collateral	Additional Information
Quick Business CreditSM	Equipment financing Overdraft protection Short-term working capital Business expansion Loan or Line of Credit	Up to $25,000	Various	Fixed and variable rates	Varies with loan amount and term	By phone or in person and by check if Line of Credit Loan funds can be transferred between accounts View and make payments and advances through Business Online Banking	Unsecured or secured	Requires limited financial information - varies by loan request Quick decisions and access to funds
Small Business Loans	Loan or Line of Credit Equipment financing Working capital Business expansion Finance inventory Finance receivables	$25,000 – $250,000	Various	Fixed and variable rates	Varies with product and loan amount	View, transfer funds and make payments through Business Online Banking(1) By phone or in person and by check if Line of Credit	Unsecured or secured	Loan or Line of Credit Information required may vary based on loan request Easy access to funds Continuous access to credit
SBA Loans	Working capital Business expansion Business purchase Debt refinance Equipment purchases Real estate	$15,000 – $250,000	Real estate up to 25 years Equipment up to 10 years Working capital up to 7 years	Fixed and variable rates	Varies with product and loan amount	Single and multiple disbursements View and make payments through Business Online Banking	Secured	SBA Preferred Lender Term loans and Lines of Credit Other governmental loan programs
Commercial Real Estate	Acquire new facilities Refinance existing building	$25,000 – $500,000	Various	Fixed and variable rates	Principal and Interest Interest Only	Single disbursement By phone or in person	Real estate	Owner and Non-owner occupied Appraisal and environment assessment may be required
Small Farm Loans	Crop production financing Loan or Line of Credit	Up to $500,000	Various	Fixed and variable rates	Varies with product and loan amount	Single and multiple disbursements By phone or in person or through online banking	Unsecured or secured	For farm equipment loans, see a representative for more details

(1) Requires approval; access restricted to certain loans and lines of credit. Ask your Loan Officer for details. Please note: This information is accurate as of April 1, 2024. Community West Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.

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