SBA Loans San Francisco, CA & Bay Area | Small Business Lender

Business Loans

SBA Loans

First National Bank of Northern California is a SBA Preferred Lender. We offer long term, competitive rate financing to small businesses through the U. S. Small Business Administration's loan program for:


  • Business Acquisition
  • Business Expansion
  • Equipment Purchase
  • Permanent Working Capital
  • Debt Refinance
  • Tenant Improvements
  • And, up to 90% financing on owner-occupied commercial real estate (business must occupy a minimum of 51% of real estate purchased with SBA loan proceeds.)

An SBA loan can be used for multiple purposes, e.g., business acquisition and permanent working capital.

Loan terms range from 7 years for working capital, 10 years for business acquisition, and 25 years for real estate acquisition. All loans are fully amortized.

First National Bank's SBA lending team provides in-house approval within 7-10 business days. As a Preferred Lender, we are able to obtain SBA approval within 24 hours.

All qualified applicants are considered. For more information, please contact your Branch Manager, or call our SBA Lending Department at 415/488-2733.