Commercial Lenders in California

Browse 232 lenders serving California across DSCR, SBA, bridge, construction, hard money, and more.

All California Lenders

232 commercial lenders serving California.

Live Oak Banking Company

SBA

WILMINGTON, 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.

Commercial Real Estate Conventional Sba 504 Sba 7a +1 more
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The Huntington National Bank

SBA

COLUMBUS, 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.

Commercial Real Estate Conventional Line Of Credit Sba 504 +1 more
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Newtek Bank, National Association

SBA

Miami, 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.

Conventional Line Of Credit Sba 7a
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U.S. Bank, National Association

SBA

Cincinnati, 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.

Commercial Real Estate Conventional Line Of Credit Sba 504 +1 more
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Celtic Bank Corporation

SBA

SALT 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.

Conventional Sba 7a Usda
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Harvest Small Business Finance, LLC

SBA

Laguna 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.

Sba 7a
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US Metro Bank

SBA

GARDEN 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.

Commercial Real Estate Conventional Sba 7a
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Readycap Lending, LLC

SBA

BERKELEY 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.

Conventional Sba 504 Sba 7a
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Bank of Hope

SBA

LOS 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.

Commercial Real Estate Conventional Sba 504 Sba 7a
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GBank

SBA

LAS 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.

Commercial Real Estate Conventional Sba 7a
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Wells Fargo Bank National Association

SBA

Sioux 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.

Commercial Real Estate Conventional Line Of Credit Sba 504 +1 more
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First Internet Bank of Indiana

SBA

FISHERS, 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.

Commercial Real Estate Conventional Franchise Sba 7a
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First Bank of the Lake

SBA

Osage 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.

Conventional Sba 7a
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United Midwest Savings Bank National Association

SBA

DE 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.

Conventional Sba 7a
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Fifth Third Bank

SBA

CINCINNATI, 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.

Commercial Real Estate Conventional Line Of Credit Sba 504 +1 more
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Byline Bank

SBA

CHICAGO, 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.

Commercial Real Estate Conventional Sba 504 Sba 7a
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Port 51 Lending LLC

SBA

New 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.

Sba 7a
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California Statewide Certified Development Corporation

SBA

Davis, 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.

Sba 504
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TD Bank, National Association

SBA

WILMINGTON, 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.

Commercial Real Estate Conventional Line Of Credit Sba 7a +1 more
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Pathward National Association

SBA

SIOUX 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.

Conventional Sba 7a Warehouse
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Enterprise Bank & Trust

SBA

CLAYTON, 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.

Commercial Real Estate Conventional Sba 504 Sba 7a
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Bank of America, National Association

SBA

Charlotte, 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.

Commercial Real Estate Conventional Line Of Credit Sba 7a
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Cadence Bank

SBA

TUPELO, 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.

Commercial Real Estate Conventional Sba 504 Sba 7a
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JPMorgan Chase Bank, National Association

SBA

Columbus, 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.

Commercial Real Estate Conventional Line Of Credit Sba 7a
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Citizens Bank

SBA

ELIZABETHTON, 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.

Commercial Real Estate Conventional Sba 7a
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Commonwealth Business Bank

SBA

LOS 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.

Commercial Real Estate Conventional Sba 7a
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CenTrust Bank, A Division of SmartBiz Bank National Associat

SBA

Northbrook, 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.

Sba 7a
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Community Bank & Trust-West Georgia

SBA

LAGRANGE, 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.

Conventional Sba 7a
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Zions Bank, A Division of

SBA

SALT 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.

Commercial Real Estate Conventional Sba 504 Sba 7a
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Hanmi Bank

SBA

LOS 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.

Commercial Real Estate Conventional Sba 7a
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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

Technology Entertainment & media International trade Agriculture Life sciences

Foreclosure Type

Non-judicial

Foreclosures proceed outside the court system, typically faster (2-6 months).

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