# Plumas Bank (SBA lending)

15% down and a fixed rate, said in writing.

The best published acquisition terms this campaign has found. A Preferred Lender whose page states 15% down for business acquisitions, ten-year fixed rates on them, 48-to-72-hour prequalification, and the nine western states it lends in by name. Behind it is a team funding more than $800 million since 2007 and California's fourth-deepest book in the FOIA loan file.

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

## At a Glance

The page every relationship desk should be embarrassed by: the two numbers a buyer actually needs, the injection and the rate structure, stated in writing with the lending map beside them. Across its nine states this is the published-terms quote the others get compared against.

## What It Costs

Loan products; no fee to engage. The page publishes what the category hides. Business acquisitions run at as little as 15% down on ten-year FIXED rates, real estate at 10% down over 25 years, with 48-to-72-hour prequalification. The 7(a) runs to $5 million fully amortized and assumable and the 504 to $12.5 million with its LTV structure. Nine lending states are enumerated: California, Nevada, Arizona, Oregon, Washington, Colorado, Utah, Idaho, and Montana. The FOIA loan file places it fourth in California's change-of-ownership top-five with 157 loans and second in Nevada with 23 across the file's six years.

## Best For

Buyers across the nine western states it names who want acquisition terms stated before the first call, and a fixed rate where nearly everyone else quotes variable

## Pros and Cons

- Pro: States the acquisition figures outright: as little as 15% down and ten-year fixed rates, which almost no desk publishes
- Pro: Enumerates its nine lending states on the page, so reach is never a guess
- Pro: 48-to-72-hour prequalification published, with named lending officers a click away
- Pro: Fourth in California's and second in Nevada's [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) top-fives in the FOIA loan file, over $800 million funded since 2007 by its own count
- Con: Rates are variable on most non-acquisition uses, and no numeric rate is published for any lane
- Con: A small Northern California bank by charter; big-metro service coverage is a fair question for the officer
- Con: The FY2025 pace sits below the league table's cut, so the book leans on earlier years
- Con: No [searcher](https://searchspheresource.com/glossary/searcher)-community footprint to weigh against its own claims

## What Searchers Say

The 15% acquisition down payment, ten-year fixed rates, prequalification clock, nine enumerated states, and $800 million funded since 2007 are all its own page's. The FOIA loan file independently places it fourth in California's and second in Nevada's change-of-ownership top-fives across the file's six years.

## Compared With

- The search-fund specialist, or fixed rates in writing? (https://searchspheresource.com/resources/compare/live-oak-bank-vs-plumas-bank.md)

## Sources

- https://www.plumasbank.com/business-banking/small-business-loans/small-business-administration-loans
- https://searchspheresource.com/data/acquisition-lending

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

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