IMPORTANT: California Bank & Trust will be making security upgrades to our digital systems on Tuesday, June 23, 2020. To see how you can be prepared for this update, please click here.
Owner-Occupied Real Estate Financing
If you’re looking to finance the purchase or refinance of owner-occupied commercial real estate, we can help structure the right conventional or SBA loan.
Conventional and SBA Financing Options[cite::112::cite]
Whether purchasing or refinancing owner-occupied commercial real estate, California Bank & Trust is well known throughout the state for being a creative lender who can help you structure the right loan that meets your needs - whether you choose conventional or SBA financing.
Conventional Financing
For conventional financing, we can offer:
- A variety of loan terms amortization up to 25 years
- Competitive fixed and variable rates
- Balloon and non–balloon payment options
- Flexible prepayment programs
With our knowledge of local markets, significant real estate expertise throughout the state, and a dedication to understanding your business goals, we can help package a commercial real estate loan that achieves your objectives.
SBA Financing
If you qualify, SBA 7(a) or SBA 504 financing may offer you the opportunity to take advantage of:
- Up to 90% financing for up to $10 million (under SBA's 504 loan program)
- Loan terms up to 25 years
- Full amortization with no balloon payments (under SBA's 7(a) program and many SBA 504 loans)
- Reduced equity requirements – allowing you to keep more working capital working in your business
Learn more about your SBA 7(a) and SBA 504 loan options, specific requirements, and which may best meet your needs.