PCB Bank (SBA lending)
At a Glance
A desk on the way up rather than an institution resting on one: the Preferred Lender status and the $1.32M average are real, the one-year surge is the reason to call, and the missing rate sheet is the reason to bring a published-terms quote to that call.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The SBA page publishes the programs (7(a) and 504, Preferred Lender) and no rates or terms: the path is a meeting with an SBA lender. Our FOIA computation shows 75 change-of-ownership loans totaling $99.0M in FY2025 at a $1.32M average and an 8.9% average initial rate, mid-pack among the twenty-five most active; 119 such loans across the file's six years, which makes FY2025 alone nearly two-thirds of the book.
- Best For
- Buyers near its California, New York, New Jersey, Texas, or Georgia offices who want a Preferred Lender desk that is actively growing its acquisition book
- In the Federal File
- 75 change-of-ownership loans in FY2025, 16th most in the country, averaging $1.3M each, at an average initial rate of 8.9%. Computed from the SBA's own loan-level data, not from anything the lender publishes.
- Type
- Bank (lends directly)
- Footprint
- California anchored from Los Angeles, with branches and loan offices in New York, New Jersey, Texas, and Georgia, per its own locations pages.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Published Terms
- 7(a) and 504 as a Preferred Lender; no published rates, the path is a meeting with an SBA lender.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- An SBA Preferred Lender: delegated authority, in its own words a streamlined process
- The book is fresh: 75 of its 119 change-of-ownership loans in our six-year file were written in FY2025, so the desk a buyer meets is the one doing deals now
- A $1.32M FY2025 average says it works real acquisition sizes
- Branches and loan offices across five states, Los Angeles anchored
Cons
- Publishes no rates or terms; the 8.9% average initial rate in our file sits mid-pack among the twenty-five most active
- The acquisition track record is short by design: a book this new has one year of volume behind its scale
- Meeting-first process with no online application path on the SBA page
- A five-state office footprint; the community-bank model travels less well outside it
What Searchers Say
The program facts are its own SBA page's; the locations and loan-center pages enumerate the five-state footprint (California anchored, with New York, New Jersey, Texas, and Georgia offices). Our FOIA computation independently counts the FY2025 surge: 75 loans and $99.0M, sixteenth by loan count among the file's twenty-five most active, after five quieter years.
How to Approach
PCB 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.