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SBA Loans
 

Our Small Business Administration Services understands the difficulties facing entrepreneurs and specializes in helping you overcome these problems. We recognize the challenges associated with managing a business and specialize in finding innovative solutions to your loan needs. The primary objective of SBA financing is to make available credit that otherwise is not available through conventional means.

Citizens Business Bank is a major lender in all types of Real Estate Lending and offers SBA loans for construction, refinance or to purchase a new building. Because of the bank’s expertise in this area we can help your project proceed smoothly and quickly. Unlike many other banks, we do not sell our loans and thus you only deal with one bank from the beginning to end. Plus you will find our interest rates very competitive.

Our SBA specialists can also help you with other types of loan requirements. We make SBA loans to purchase equipment, increase working capital, purchase a new business, expand your existing business or to refinance existing debt.

Preferred Lender


This designation is awarded to lenders with special expertise in SBA lending and Citizens Business Bank is one of these lenders. As a PREFERRED LENDER, we are be able to make our own credit decisions and that can result in faster loan approvals and prompt fundings.



The SBA Loan Programs


504 Loans


Used for construction or acquisition of real estate or for equipment purchases:

COMPETITIVE, FIXED OR VARIABLE INTEREST RATES

UP TO 30 YEAR AMORTIZATIONS ON REAL ESTATE LOANS

NON-REAL ESTATE AMORTIZATIONS DEPEND ON COLLATERAL

UP TO 20 YEAR MATURITIES ARE AVAILABLE

UP TO 90% ADVANCE RATES ON QUALIFYING LOANS

7(a) Loans

These loans can be used for real estate purchases and refinances, as well as equipment financing, to purchase a business, expand an existing business, working capital and other qualifying purposes:

COMPETITIVE INTEREST RATES AND TERMS

VARIABLE RATES CHANGE QUARTERLY AND ARE INDEXED TO LOW WALL STREET JOURNAL PRIME

LOANS ARE REAMORTIZED ANNUALLY TO PREVENT BALLOON PAYMENTS

FIXED RATES MAY BE AVAILABLE IN CERTAIN SITUATIONS

UP TO 25-YEAR MATURITIES ARE AVAILABLE ON QUALIFYING REAL ESTATE SECURED LOANS

If you would like more information about how our SBA Loan Services or have general questions about SBA financing, please contact one of our local Business Financial Centers, or call:

Hector Hernandez,
Senior Vice President and Manager.
SBA Services
hhernandez@cbbank.com
701 N. Haven Avenue
Ontario, CA 91764
(800) 216 3303

Or call toll free:
(877) 4-CBBANK

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