Small Business Loans (SBA): Government Guaranteed

We offer flexible and customized financial solutions for small businesses.  

SBA Preferred Lender

We proudly partner with the U.S. Small Business Administration (SBA) loan program to help small businesses access the funds they need to grow. Our government-guaranteed SBA Loans are a smart source of financing for a variety of business purposes: startups, equipment purchases, owner-occupied commercial real estate, facility renovation, debt refinancing, inventory, working capital and more.

U.S. Small Business Administration Loan Programs

SBA 7(A) Loans

Borrow funds for nearly any business purpose: acquiring a business, expanding/renovating facilities, purchasing equipment, or increasing working capital. Small Business Administration (SBA) 7(A) loans are backed by the government and designed to meet a variety of your small business’ capital needs.

• The most basic and used SBA business loan
• Interest rate varies based on loan size, term and purpose
• Visit the SBA website for eligibility, terms and max loan amount

SBA 504 Loans

Small Business Administration (SBA) 504 loans are backed by the government and designed to provide long-term, fixed-rate financing for major fixed assets, such as buildings and equipment.

• Down payments as low as 10%
• Interest rate depends on size, term and use of proceeds
• Cannot be used for working capital, inventory, consolidating debt or repaying debt
• Visit the Small Business Finance website for eligibility, terms and max loan amount

State Guaranteed Loan Program

Cal Southern SBDC Loans

The California Southern Small Business Development Corporation (SBDC) guaranteed loan program is designed to assist local companies with business purchases, equipment financing, accounts receivable financing, etc.

• Guarantees can be issued on short-term loans, revolving lines of credit, and term loans for asset purchases, purchases of existing business, or for establishing a new business
• Visit the Cal Southern website for eligibility, terms, and max loan amount

For all government guaranteed options, the borrower must maintain their primary business deposit relationship with the credit union.

Applying for a Business Loan 

To apply for a Business Loan  or to schedule an appointment, please contact our Business Banking Department at (800) 293-6494 or you may visit any one of our branches across Southern California.