STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
740
2010–2025
Total Volume
$578M
Gross loan amounts
States Active
8
With recorded loans
Programs
7(a) & 504
740 total segments
California Bank of Commerce has a strong focus on 504 loans, making up 37% of their total SBA deals. This is significantly higher than the national average of about 18%. If you're considering real estate financing, this lender could be a great fit.
With an average 7(a) spread of P+2.21%, California Bank of Commerce offers competitive pricing compared to the national median of P+2.75%. This could mean lower costs for your loan compared to other lenders.
The lender's growth trend shows a decline of 24% year-over-year, which may indicate a tightening of lending standards. If you're applying for a loan, be prepared for potentially more scrutiny during the approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 271 504 loans, which use fixed SBA debenture rates.
States where California Bank of Commerce, NA has recorded SBA lending activity.
+ 3 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for California Bank of Commerce, NA, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Manufacturing · $150K – $350K | 7(a) | 23 | P+2.75% | $250K | Q3 2022 |
| California · Manufacturing · Under $150K | 7(a) | 17 | P+1.75% | $64K | Q2 2022 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 16 | — | $712K | Q2 2024 |
| California · Specialty Trade Contractors · $150K – $350K | 7(a) | 16 | P+2.50% | $247K | Q4 2019 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 15 | P+2.75% | $276K | Q4 2022 |
| California · Manufacturing · $1M – $2M | 7(a) | 15 | P+2.00% | $1.6M | Q4 2024 |
| California · Physician & Dental Offices · $350K – $500K | 504 | 13 | — | $420K | Q2 2023 |
| California · Other Professional Services · Under $150K | 7(a) | 12 | P+2.00% | $85K | Q2 2019 |
| California · Manufacturing · $350K – $500K | 7(a) | 10 | P+2.13% | $426K | Q4 2024 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 10 | — | $667K | Q4 2022 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 10 | — | $1.3M | Q4 2023 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 9 | — | $261K | Q4 2024 |
| California · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.75% | $124K | Q2 2021 |
| California · Real Estate · $150K – $350K | 7(a) | 9 | P+2.50% | $242K | Q4 2022 |
| California · Manufacturing · $500K – $1M | 7(a) | 9 | P+2.50% | $763K | Q3 2019 |
| California · Education · Under $150K | 7(a) | 8 | P+1.00% | $48K | Q1 2020 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+2.13% | $682K | Q2 2023 |
| California · Retail Trade · Under $150K | 7(a) | 7 | P+2.75% | $92K | Q3 2017 |
| California · Other Professional Services · $150K – $350K | 7(a) | 7 | P+2.60% | $286K | Q4 2022 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+2.75% | $291K | Q1 2018 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 7 | P+2.00% | $1.5M | Q2 2025 |
| California · Administrative & Waste Services · Under $150K | 7(a) | 7 | P+2.00% | $87K | Q2 2023 |
| California · Transportation & Warehousing · $500K – $1M | 504 | 7 | — | $743K | Q4 2023 |
| California · Other Health Practitioners · $1M – $2M | 504 | 7 | — | $1.3M | Q2 2024 |
| California · Manufacturing · $500K – $1M | 504 | 7 | — | $699K | Q3 2022 |
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Real experiences from borrowers who closed SBA loans with California Bank of Commerce, NA.
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