Bay Area Small Business Finance- Business Loans- SBA Loans

SBA Loans

Business Loans

Trusted SBA term loans.

For small businesses seeking an SBA loan, we may be your lending source. Whether you’re seeking to start, expand, acquire, or improve cash-flow, our SBA lending can make it happen.

Please review the table below to determine if we may be the best fit for your small business.


Business Location Business must be located within the following S.F. Bay Area counties:

  • Alameda
  • Contra Costa
  • Marin
  • Napa
  • San Francisco
  • San Mateo
  • Santa Clara
  • Solano
  • Sonoma
Loan Ranges $50,000 – $150,000
Maximum Loan Term 10 years  Up to 25 years if acquiring commercial real estate with the loan.
Loan Type SBA Community Advantage business term loan
Interest Rates WSJ Prime + 6% (adjusted quarterly)
SBA Guaranty Fee
  • 2% = loans below $150,000
Closing Costs $0  Related fees associated with the the loan request will be passed to the borrower.
Application Fee $0
Prepayment Penalties $0  Unless acquiring commercial real estate with the loan.
Equity Injection
  • 10% minimum = existing businesses (1+ years of sales history)
  • 20% minimum = start-up businesses (0-1 years of sales history)
Personal Guaranty Required for:

  • Partners with 20%+ ownership.
  • Spouses with 5%+ ownership.
  • At minimum, one partner will have to personally guaranty the loan if there are no individuals with more than 20% ownership.
Credit Score Minimum credit score of 680+


We are pleased to also be able to offer a NEW loan service to San Francisco based businesses: 
Loan Type The Emerging Business Loan Fund Program (EBLF):
Loan Description BASBF manages the EBLF for the City of San Francisco’s Office of Economic and Workforce Development. The purpose of the EBLF is to originate commercial loans that support high impact businesses and projects with the potential to increase economic activity in San Francisco as well as create jobs for low to moderate income individuals
EBLF Loan Fund Overview and Requirements: Loan amounts from $50,000 – $1,000,000.Interest Rates: Currently from 4.5% to 7.25% percent (Prime + 4%), depending on product, No application fee, low closing costs.

Up to 10 year loan amortizations, longer with real estate.

Flexible underwriting criteria, eligible uses include working capital, equipment, real estate, tenant improvements.

Basic Eligibility Requirements:
  • Business Plan or Executive Summary, financial projections.
  • Demonstrated ability for the business to repay the loan based on actual performance and/or forward looking projections.
  • No bankruptcies 3 years, current on all loans, mortgages, and/or child support.
  • Owner contribution of 20% of total project cost for start-ups and 10% for existing businesses.
  • Secondary source of income unless business cash-flow is sufficient for repayment.
  • Start-ups must have direct industry experience, or hire appropriate management.
  • Personal Guaranty required, including partners with more than 20% ownership or spouses with more than 5% ownership.
  • Business must be located and licensed in San Francisco.


Additional questions?
Complete our Contact Form* and we will be more than happy to connect with you!

* Please allow up to three (3) business days for a response.