Commercial Lenders in California
Browse 232 lenders serving California across DSCR, SBA, bridge, construction, hard money, and more.
California Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll California Lenders
232 commercial lenders serving California.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Internet Bank of Indiana
SBAFISHERS, IN
Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Port 51 Lending LLC
SBANew York, NY
Non-bank SBA preferred lender specializing in high-value SBA 7(a) loans for commercial real estate and business acquisitions. Focuses on larger SBA transactions with an average deal size well above industry norms.
California Statewide Certified Development Corporation
SBADavis, CA
One of California's largest Certified Development Companies (CDCs), specializing in SBA 504 loans for commercial real estate and heavy equipment. Provides long-term, below-market fixed-rate financing for owner-occupied properties.
TD Bank, National Association
SBAWILMINGTON, DE
One of the 10 largest banks in the U.S. and a major SBA preferred lender. Offers SBA 7(a) and Express loans, conventional business lending, commercial real estate, and treasury management services across the eastern U.S.
Pathward National Association
SBASIOUX FALLS, SD
Technology-forward financial institution and SBA preferred lender. Specializes in SBA 7(a) loans, warehouse lending, and commercial finance solutions. Known for serving underbanked markets and fintech partnerships.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
Bank of America, National Association
SBACharlotte, NC
One of the largest banks in the world and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, equipment financing, and comprehensive treasury management.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
SBAColumbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
SBAELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
Commonwealth Business Bank
SBALOS ANGELES, CA
Community bank serving the Korean-American and diverse business communities in Southern California. A top SBA 7(a) lender specializing in commercial real estate, trade finance, and business acquisition loans.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Community Bank & Trust-West Georgia
SBALAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
Hanmi Bank
SBALOS ANGELES, CA
Community bank primarily serving Korean-American and multi-ethnic communities across the U.S. A top SBA 7(a) lender offering commercial real estate loans, SBA lending, trade finance, and full-service business banking.
Complete California Lender Directory
All 232 commercial lenders serving California, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Advantage Certified Development Corporation — Long Beach, CA
- Aloha Capital
- Altos Bank — Los Altos, CA
- America First FCU — RIVERDALE, UT
- American Business Bank — Anaheim, CA
- American Continental Bank — City of Industry, CA
- American Momentum Bank — COLLEGE STATION, TX
- American Riviera Bank — SANTA BARBARA, CA
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Arcata Economic Development Corporation — Eureka, CA
- Athas Capital Group
- Atlantic Union Bank — RICHMOND, VA
- Banc of California — Los Angeles, CA
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bankwell Bank — New Canaan, CT
- Banner Bank — WALLA WALLA, WA
- Barclays — New York, NY
- BayFirst National Bank — Saint Petersburg, FL
- Beach Cities Commercial Bank — Irvine, CA
- Beacon Business Bank National Association — SAN FRANCISCO, CA
- Bell Bank — Fargo, ND
- Berkadia — Ambler, PA
- BMO Bank National Association — Chicago, IL
- Broadmark Realty Capital — Seattle, WA
- Busey Bank — CHAMPAIGN, IL
- Business Finance Capital — Los Angeles, CA
- CalPrivate Bank — LA JOLLA, CA
- Capital Access Group, Inc. — San Francisco, CA
- Capital Bank, National Association — ROCKVILLE, MD
- Capital Community Bank — PROVO, UT
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- Cathay Bank — LOS ANGELES, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- Cen Cal Business Finance Group — Fresno, CA
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Citibank, N.A. — Sioux Falls, SD
- Citigroup — New York, NY
- Citizens Business Bank National Association — ONTARIO, CA
- City National Bank — LOS ANGELES, CA
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Columbia Bank — Fair Lawn, NJ
- Comerica Bank — DALLAS, TX
- Commercial Bank of California — IRVINE, CA
- Community West Bank — FRESNO, CA
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- Cross River Bank — Fort Lee, NJ
- CrossCountry Mortgage — Cleveland, OH
- CTBC Bank Corp. (USA). — LOS ANGELES, CA
- Cushman & Wakefield — Chicago, IL
- Customers Bank — Malvern, PA
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Endeavor Bank — SAN DIEGO, CA
- EverBank National Association — JACKSONVILLE, FL
- EverTrust Bank — City of Industry, CA
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Exchange Bank — SANTA ROSA, CA
- FFB Bank — FRESNO, CA
- Finance of America — Plano, TX
- FinWise Bank — SANDY, UT
- First Bank of Central Ohio — WORTHINGTON, OH
- First Business Bank — MADISON, WI
- First Financial Bank — Cincinnati, OH
- First National Bank of America — East Lansing, MI
- First Savings Bank — Beresford, SD
- First U.S. Community CU — SACRAMENTO, CA
- First Western Trust — Denver, CO
- First-Citizens Bank & Trust Company — RALEIGH, NC
- Flagstar Bank — Hicksville, NY
- Flushing Bank — Uniondale, NY
- Fremont Bank — FREMONT, CA
- FWBank — Chicago, IL
- GBC International Bank — LOS ANGELES, CA
- Golden Valley Bank — CHICO, CA
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Heritage Bank Inc — Burlington, KY
- Heritage Bank of Commerce — SAN JOSE, CA
- HomeXpress Mortgage
- iBorrow
- Icon Business Bank — Riverside, CA
- Integro Bank — Phoenix, AZ
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Leader Bank, National Association — ARLINGTON, MA
- Legacy Bank — MURRIETA, CA
- Lending One — Boca Raton, FL
- LendingClub Bank, National Association — LEHI, UT
- Lendistry SBLC, LLC — Los Angeles, CA
- Lexicon Bank — Las Vegas, NV
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Main Street Launch — Oakland, CA
- Mega Bank — SAN GABRIEL, CA
- Merchants Bank of Indiana — CARMEL, IN
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Milestone Bank — Salt Lake City, UT
- Mission Bank — BAKERSFIELD, CA
- Mission Valley Bank — SUN VALLEY, CA
- Monterey County Bank — Monterey, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- Neighborhood National Bank — EL CAJON, CA
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- North State Bank — RALEIGH, NC
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Oaktree Funding
- Open Bank — LOS ANGELES, CA
- Pacific Alliance Bank — San Gabriel, CA
- Park Place Finance
- PCB Bank — LOS ANGELES, CA
- Pinnacle Bank — MORGAN HILL, CA
- Planet Home Lending — Meriden, CT
- Plumas Bank — QUINCY, CA
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Preferred Bank — Los Angeles, CA
- Primis Bank — TAPPAHANNOCK, VA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Redwood CU — SANTA ROSA, CA
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Royal Business Bank — Los Angeles, CA
- Sabal Capital Partners — Pasadena, CA
- Shinhan Bank America — New York, NY
- Shoreham Bank — Warwick, RI
- So Cal CDC — Mission Hills, CA
- Southland Economic Development Corporation — Santa Ana, CA
- Southwestern National Bank — HOUSTON, TX
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- Stone Bank — MOUNTAIN VIEW, AR
- Summit State Bank — SANTA ROSA, CA
- Sunwest Bank — Sandy, UT
- Superior California Economic Development, Inc. — Redding, CA
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- UMB Bank, National Association — KANSAS CITY, MO
- United Business Bank — WALNUT CREEK, CA
- United Pacific Bank — CITY OF INDUSTRY, CA
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- WaFd Bank — SEATTLE, WA
- Walker & Dunlop — Bethesda, MD
- Wallis Bank — WALLIS, TX
- Wells Fargo — San Francisco, CA
- West Coast Community Bank — SANTA CRUZ, CA
- Western Alliance Bank — PHOENIX, AZ
- Woori America Bank — New York, NY
Commercial Lending in California
California has the largest state economy in the U.S. and would rank as the fifth-largest economy globally. The state's diverse markets range from Silicon Valley tech campuses to Inland Empire logistics hubs and Los Angeles entertainment properties.
Proposition 13 limits property tax reassessment to the purchase price plus a maximum 2% annual increase, creating significant tax advantages for long-term commercial property holders but higher effective rates for new buyers. California's stringent environmental regulations, including CEQA review requirements, can add 12 to 24 months to commercial development timelines. Recent changes to local zoning laws and the state's push to address housing shortages have created new mixed-use development opportunities, particularly near transit corridors in major metros.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).
Lenders by City in California
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