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. It states a low down payment as a band, terms from 10 to 25 years at variable rates, with the 504 alongside. The FOIA loan file 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

Track Record

Fifth in California's change-of-ownership top-five with 155 loans across the file's six years.

Type

Bank (lends directly)

Footprint

A nationwide lender in its own words, from Los Angeles.

Approval Authority

Says it holds SBA Preferred Lender status, so it can approve the loan itself rather than sending the file to the agency for a second look.

The 7(a) child page carries it, naming the program in parentheses and tying it to expedited service. The SBA hub directly above that page, which is the one this shelf holds, does not.

Deal Size

$500k to $5M.

Publishes no floor. Most of this shelf gives a ceiling that is really the agency's own cap, and no minimum at all.

Searcher Practice

A general SBA lending desk, branch-driven.

"We are a nationwide Lender. Whatever your needs are, wherever you are, we are here to provide financial assistance for your business." That settles the FOOTPRINT and not the process. Lending everywhere is not the same claim as never needing you in a branch, and this shelf keeps the two apart deliberately.

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

3. Set Up & Fund the Search5. Diligence & Close the Deal

Where Its Loans Went

150 change-of-ownership loans across 3 of the industries the loan file ranks, the largest being Convenience Retailers at 56.

• Convenience Retailers56 loans
• Gasoline Stations with Convenience Stores49 loans
• Beer, Wine, and Liquor Retailers45 loans

Counts cover FY2020 through FY2025, from the SBA's loan-level file.

Pros and Cons

What Searchers Say

The nationwide claim, the acquisition use, and the term structure are its own page's. The FOIA loan file 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

1. A prequalification on you and the target, often from the first email.
2. A full application and the bank's own underwrite of the deal.
3. 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

More SBA & Acquisition Lenders