SBA 7(a) Loans in Bakersfield, CA
Find lenders offering sba 7(a) loans in the Bakersfield, including Delano, Wasco, and surrounding areas. Compare rates, terms, and programs from 144 lenders.
SBA 7(a) Lenders Serving Bakersfield
144 lenders offering sba 7(a) loans in the Bakersfield, CA area.
Harvest Small Business Finance, LLC
Local 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
Local 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.
Bank of Hope
Local 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.
Commonwealth Business Bank
Local 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.
Hanmi Bank
Local 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.
Lendistry SBLC, LLC
Local SBALos Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
City National Bank
Local SBALOS ANGELES, CA
Los Angeles-based bank serving entrepreneurs, professionals, and the entertainment industry. An SBA preferred lender offering SBA 7(a) loans, conventional commercial lending, commercial real estate, and private banking services.
Mission Valley Bank
Local SBASUN VALLEY, CA
Sun Valley, California community bank specializing in SBA 7(a) loans, commercial real estate, and business lending. Known for serving small and mid-sized businesses throughout the greater Los Angeles area.
Open Bank
Local SBALOS ANGELES, CA
Los Angeles-based community bank serving diverse business communities with SBA 7(a) loans, commercial real estate financing, and trade finance. Strong presence in Korean-American and Asian-American business communities.
East West Bank
Local SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
CalPrivate Bank
Local SBALA JOLLA, CA
La Jolla, California-based private bank offering SBA 7(a) loans, commercial real estate financing, and tailored business banking. Focuses on entrepreneurs and professionals in Southern California.
Centerstone SBA Lending, Inc.
Local SBALOS ANGELES, CA
Los Angeles-based non-bank SBA 7(a) lender providing personalized financing solutions for small businesses. Specializes in SBA lending with industry-specific expertise and dedicated service.
Banc of California
Local SBALos Angeles, CA
Los Angeles-based bank offering SBA 7(a) loans, commercial real estate, business lines of credit, and treasury management. Serves small and mid-sized businesses throughout California.
Commercial Bank of California
Local SBAIRVINE, CA
Irvine, California-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Focused on serving small and mid-sized businesses in Southern California.
PCB Bank
Local SBALOS ANGELES, CA
Los Angeles-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves diverse business communities with a focus on Korean-American entrepreneurs in Southern California.
Bakersfield Commercial Real Estate Market
Bakersfield's CRE market is uniquely tied to California's oil and gas industry, with Kern County producing roughly 70% of the state's crude oil output, supporting a network of industrial service companies and related office demand. The Rosedale Highway corridor in northwest Bakersfield is the primary commercial growth area with newer retail and office developments, while the Ming Avenue corridor and the California Avenue district near Bakersfield College serve as established commercial nodes. Industrial demand extends along Highway 99 and Lerdo Highway, where food processing, agriculture logistics, and energy services converge. The metro has attracted growing attention from logistics operators seeking affordable alternatives to the congested Inland Empire market.
Key Economic Drivers
- ●Kern County oil and gas production and energy services companies (Chevron, Berry Petroleum)
- ●Agricultural shipping, cold storage, and food processing (Grimmway Farms, Bolthouse Farms)
- ●Meadows Field Airport and Highway 99 logistics corridor
- ●Kern Medical Center and Adventist Health Bakersfield hospital campuses
Market Insight
Bakersfield offers some of the lowest commercial land costs among California metros, with industrial land pricing at a fraction of Inland Empire rates, making it increasingly attractive for build-to-suit distribution and food processing facilities.
SBA 7(a) Loans in Bakersfield, California
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In the Bakersfield metro area, borrowers can access 144 lenders offering SBA 7(a) financing, including Delano, Wasco, and surrounding areas. Loan amounts typically range from $25K to $5M with rates from Prime + 1.5% to 3.75%.
Who Should Consider SBA 7(a) Loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
Key Requirements
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans in Other California Cities
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