SBA Loans

Small Business Administration (SBA) Loans

As a small business owner, you play a significant role in your local community, and Small Business Administration (SBA) loans are an important financing option to help you operate and grow your business. As an alternative to conventional loans, SBA loans typically offer more flexible terms, often with lower down payments and longer repayment terms. 

With several SBA financing options available, we’ll work with you to find the best option that meets your business needs.

SBA 7(a) Loan Program

Ideally used for purchase of a business, equipment, or real estate, as well as for property construction or renovation.

  • Use for acquisition or expansion of a small business including working capital, equipment purchases, and commercial real estate financing

  • Loan amounts up to $5 million

  • Repayment terms up to 10 years for working capital and 25 years for commercial real estate

SBA 504 Loan Program

Designed for businesses looking for long-term, fixed asset financing.

  • Use for purchase, refinance, or construction of commercial real estate
  • Up to 90% loan to value
  • Loan amounts up to $5.5 million
  • Repayment terms up to 25 years
SBA Express Loan

Suitable as either a term loan or a working capital Line of Credit to meet the startup or expansion needs of your business.

  • Loan amounts up to $350,000
  • Fixed or variable rates
  • Loan terms up to 10 years for equipment and up to 25 years for real estate


All loans subject to SBA criteria and approval.

Ready to switch to Mechanics Bank Business Banking?

For more than a century, we’ve helped local California businesses grow and thrive. Whether you’re new, growing, or just looking for the right business bank, we have the products, services, and the experienced bankers to help you reach your unique goals! Let’s get started together today!  

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