SBA Loans

Small businesses have and will always continue to be the backbone of our community. At PCB Bank, we recognize the value that your small business provides to those around you and to us. We offer loans under the U. S. Small Business Administration 7(a) and 504 loan programs that will provide the financing you need to grow your business into a flourishing enterprise. As a member of the SBA Preferred Lender Program (PLP), we provide expertise and a streamlined process to help you meet all your small business needs.

SBA names	SBA 7(a)	SBA 504
Use	Real estate purchase or refinance (minimum 51% owner-occupied) Business acquisition or debt refinance Equipment and machinery purchase Working capital Leasehold improvements	Real estate purchase (minimum 51% owner-occupied) Purchase of fixed assets Refinance of qualified debts
Benefits	Longer maturity compared to conventional business loans Lower down payments on fixed assets Easier qualification criteria compared to conventional business loans	Longer maturity compared to conventional business loans Lower down payments on fixed assets Easier qualification criteria compared to conventional business loans
Terms	Up to 25 years, fully amortized for real estate Up to 10 years, fully amortized for other loans	First Loan - 10 years due / 25-year amortization Second Loan - 20 years, fully amortized
Loan Amount	Up to $5 Million	Varies based upon bank lending limits
Prepayment Penalty (PPP)	No PPP on loans with maturity of less than 15 years 3-year declining PPP (5%, 3%, 1%) on loans with maturity of 15 years or longer	10-year declining PPP

For more information regarding SBA loan programs, visit the SBA website.

SBA Loan Application Download Download Acrobat Viewer

SBA Loan Dept:
Phone 213-210-2070
Fax 213-210-2079

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SBA Loans