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.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
647
2010–2026
Total Volume
$752M
Gross loan amounts
States Active
23
With recorded loans
Programs
7(a) & 504
647 total segments
Commercial Bank of California has a strong focus on existing businesses, with 81% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.07%, Commercial Bank of California offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money over the life of their loans.
The lender's growth trend shows a remarkable 195% year-over-year increase in deals, indicating they are actively expanding their lending capacity. This growth could mean more favorable terms and a higher likelihood of approval for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 123 504 loans, which use fixed SBA debenture rates.
Top 15 of 23 states where Commercial Bank of California has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Food & Beverage Stores
Retail Trade
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Gas Stations
Retail Trade
+ 7 more
All recorded SBA lending activity for Commercial Bank of California, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Hotels & Accommodation · $2M – $5M | 7(a) | 20 | P+1.50% | $3.3M | Q3 2025 |
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 18 | P+2.25% | $1.4M | Q2 2024 |
| California · Wholesale Trade · $150K – $350K | 7(a) | 14 | P+2.13% | $268K | Q3 2025 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 13 | P+2.75% | $259K | Q3 2021 |
| California · Hotels & Accommodation · $1M – $2M | 7(a) | 13 | P+1.75% | $1.4M | Q3 2024 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+2.25% | $784K | Q4 2025 |
| California · Manufacturing · $500K – $1M | 7(a) | 11 | P+2.25% | $739K | Q2 2022 |
| California · Manufacturing · $2M – $5M | 7(a) | 10 | P+1.50% | $3.7M | Q1 2022 |
| California · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.50% | $269K | Q2 2025 |
| California · Physician & Dental Offices · $500K – $1M | 7(a) | 9 | P+1.50% | $705K | Q2 2022 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 9 | P+2.25% | $430K | Q3 2023 |
| California · Food & Beverage Stores · $1M – $2M | 7(a) | 9 | P+2.00% | $1.4M | Q3 2024 |
| California · Other Health Practitioners · $1M – $2M | 7(a) | 8 | P+1.88% | $1.6M | Q3 2021 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 8 | P+1.75% | $664K | Q4 2025 |
| California · Gas Stations · $1M – $2M | 7(a) | 8 | P+1.63% | $1.6M | Q2 2021 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 7 | P+2.25% | $1.3M | Q4 2022 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 7 | P+2.00% | $3.3M | Q2 2021 |
| California · Auto Repair & Maintenance · $150K – $350K | 7(a) | 6 | P+2.50% | $289K | Q2 2025 |
| California · Restaurants & Food Service · $2M – $5M | 7(a) | 6 | P+2.00% | $3.7M | Q4 2025 |
| California · Manufacturing · $500K – $1M | 504 | 6 | — | $755K | Q1 2025 |
| California · Manufacturing · $1M – $2M | 7(a) | 6 | P+2.63% | $1.7M | Q4 2024 |
| California · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+2.63% | $101K | Q4 2016 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 6 | — | $706K | Q3 2022 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.75% | $103K | Q3 2020 |
| California · Gas Stations · $500K – $1M | 7(a) | 6 | P+2.25% | $658K | Q4 2021 |
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Real experiences from borrowers who closed SBA loans with Commercial Bank of California.
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