CBB Bank (SBA lending)
At a Glance
The third of California's quiet 150-loan desks, and the one whose nationwide claim makes it worth a call from anywhere: real volume, acquisition named plainly, and nothing on the page to anchor price, so the published-terms quote rides along as always.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The page publishes the program and the claim rather than figures: a nationwide lender in its own words, 7(a) to $5 million for everything from working capital to a business and property acquisition, low down payment as a band, terms from 10 to 25 years at variable rates, with the 504 alongside. Our FOIA computation places it fifth in California's change-of-ownership top-five with 155 loans across the file's six years, plus a Hawaii top-five seat on a handful of loans.
- Best For
- Buyers in California or beyond who want a Los Angeles community desk with real acquisition volume and a stated willingness to lend anywhere
- Type
- Bank (lends directly)
- Footprint
- A nationwide lender in its own words, from Los Angeles.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Published Terms
- 7(a) to $5M naming business and property acquisition, 10-to-25-year terms at variable rates; nationwide by its own claim.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- Fifth in California's change-of-ownership top-five with 155 loans across our file's six years
- Calls itself a nationwide lender on its own page, wherever you are in its words
- Business and property acquisition named among 7(a) uses to the $5 million maximum
- Terms from 10 to 25 years stated, with the 504 beside the 7(a)
Cons
- Variable rates only, stated as such, with no figures published
- Low down payment is a band, not a number; the injection conversation starts blank
- The FY2025 pace sits below the league table's cut, so the book leans on earlier years
- No searcher-community footprint to weigh against its own claims
What Searchers Say
The nationwide claim, the acquisition use, and the term structure are its own page's. Our FOIA computation independently places it fifth in California's change-of-ownership top-five across the file's six years, the third unreviewed 150-loan book the charter re-key surfaced in that single state's table.
How to Approach
CBB Bank (SBA lending) is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder
Put It to Work
Lender Match puts this lender beside the others, filtered by your deal.