Flexible SBA Loans
Secure Your Business Financing Today
Unlock Big Opportunities for Your 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!
504 Term Loans
For customers who need SBA loans up to $5,000,000 for real estate or fixed assets.
Features and Benefits:
- Can be used for buildings, machinery, or equipment
- Bank funds up to 50%, CDC/SBA up to 40%
- Loan term varies
- Personal guarranty required for 20%+ owners
Account Requirements and Fees:
- For-profit businesses
- Must qualify as a small business based on NAICS code
- Bank loan secured with 1st DoT, CDC/SBA loan secured with 2nd DoT
- Fixed or variable interest rate
7a Term Loans
Available for loans up to $5,000,000.
Features and Benefits:
- Can be used for land, equipment, inventory, working capital, and business acquisition
- SBA guarantees 75%-85%
- Loan terms vary
- Personal guarantee required for 20%+ owners
Account Requirements and Fees:
- For-profit businesses
- Must qualify as a small business based on NAICS code
SBA Loans
| Features | 504 Term Loans | 7(A) Term Loans | Express Lines and Loans | CAPLines | USDA B&I |
|---|---|---|---|---|---|
Loan Size |
Up to $25,000,000 |
Up to $5,000,000 |
Up to $350,000 |
Up to 5,000,000 |
Up to $25,000,000 |
Use of Proceeds |
Buildings (Purchase, new construction or renovation) Machinery or equipment (with a minimum useful life of 10 years) |
Land Buildings Machines & Equipment Furniture & Fixtures Inventory Working Capital Acquisitions Start Up |
Land Buildings Machines & Equipment Furniture & Fixtures Inventory Working Capital Acquisitions |
Revolving Lines of Credit Short Term Working Capital Finance Receivables Finance inventory May be revolving |
Real Estate Machines & 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 |
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) |
SBA Loans
| Features | Loan Size |
Use of Proceeds |
Collateral |
Loan Terms |
Interest Rate |
|---|---|---|---|---|---|
| 504 Term Loans | Up to $25,000,000 |
Buildings (Purchase, new construction or renovation) Machinery or equipment (with a minimum useful life of 10 years) |
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. |
Fully amortized up to 25 years , Equipment – up to 10 years (or useful life) |
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 |
| 7(A) Term Loans | Up to $5,000,000 |
Land Buildings Machines & Equipment Furniture & Fixtures Inventory Working Capital Acquisitions Start Up |
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. |
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. |
Variable Rate |
| Express Lines and Loans | Up to $350,000 |
Land Buildings Machines & Equipment Furniture & Fixtures Inventory Working Capital Acquisitions |
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. |
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. |
Fixed or Variable Rate |
| CAPLines | Up to 5,000,000 |
Revolving Lines of Credit Short Term Working Capital Finance Receivables Finance inventory May be revolving |
First on Accounts Receivable and Inventory. All owners of 20% or more must provide personal guaranty, may be secured by available home equity. |
Up to 10 years |
Variable Rate |
| USDA B&I | Up to $25,000,000 |
Real Estate Machines & Equipment Inventory Working Capital Leasehold improvements |
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. |
Real Estate - 30 years maximum |
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 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.
