# PCB Bank (SBA lending)

The LA community desk that just scaled up.

The Los Angeles community bank whose SBA desk just became a national acquisition player: an SBA Preferred Lender writing 7(a) and 504 loans through a talk-to-a-lender model, with nearly two-thirds of its six-year change-of-ownership book in the FOIA loan file written in FY2025 alone.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.mypcbbank.com/loans/sba-loans

## At a Glance

A desk on the way up rather than an institution resting on one. The [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) 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.

## What It Costs

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. The FOIA loan file 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

## Pros and Cons

- Pro: An SBA Preferred Lender: delegated authority, in its own words a streamlined process
- Pro: The book is fresh: 75 of its 119 [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) loans in the six-year FOIA file were written in FY2025, so the desk a buyer meets is the one doing deals now
- Pro: A $1.32M FY2025 average says it works real acquisition sizes
- Pro: Branches and loan offices across five states, Los Angeles anchored
- Con: Publishes no rates or terms; the 8.9% average initial rate in the FOIA loan file sits mid-pack among the twenty-five most active
- Con: The acquisition track record is short by design: a book this new has one year of volume behind its scale
- Con: Meeting-first process with no online application path on the SBA page
- Con: 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). The FOIA loan file 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.

## Sources

- https://www.mypcbbank.com/loans/sba-loans
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/pcb-bank
Last checked: 2026-08-06

Site index for machines: https://searchspheresource.com/llms.txt