SBA 7(a) Loans in San Francisco, CA
Find lenders offering sba 7(a) loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 144 lenders.
SBA 7(a) Lenders Serving San Francisco
144 lenders offering sba 7(a) loans in the San Francisco, 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.
San Francisco Commercial Real Estate Market
San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.
Key Economic Drivers
- ●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
- ●UCSF Medical Center campus and Mission Bay biotech cluster
- ●Salesforce, major tech headquarters, and financial services firms
- ●Tourism and convention activity centered on Moscone Center
Market Insight
San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.
SBA 7(a) Loans in San Francisco, 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 San Francisco metro area, borrowers can access 144 lenders offering SBA 7(a) financing, including Oakland, Berkeley, San Mateo, 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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