Business Loans to Fuel Your Growth

Whether you're looking to expand, manage cash flow, or fund a new project, our business loans offer flexible options and competitive interest rates to meet your needs. 

SBI California delivers customized solutions for businesses at every stage. With tailored loans, attractive terms, and a simple application process, we are your partner for sustainable growth.

GETTING A LOAN

Apply for a Business Loan

Wondering to get a business loan? With SBIC, it’s simple:

  • In-Branch: Start your application for a business loan by visiting one of our branches.
  • Submit Documents: Provide basic financial details, business plans, and other documents as needed
  • Loan processing & underwriting: The Bank will process your application and conduct proper due diligence. For loans secured by real estate, property inspection and appraisal may be required.
  • Notification: Once the Bank completes its assessment, it will notify you of its decision. If the loan is approved, the Bank will provide details on interest rate(s) offered, fees, estimated closing costs, and other terms and conditions of the loan.
  • Closing: If you accept the loan at the terms offered, you will sign the loan agreement and related documents, and your loan will be funded.

Apply today and take the next step toward growing your business!

The SBI California Advantage

Why is SBIC the best bank for a business loan?

With SBIC, obtaining a business loan online or in-person has never been easier. Let us help you secure the capital you need to grow your business.

Competitive Interest Rates
Competitive Interest Rates

Borrow at some of the best rates available.

Fast Approvals
Fast Approvals

Get your funds without unnecessary delays.

Flexible Terms
Flexible Terms

Get financing that fits your business timelines and needs.

Personalized Guidance
Personalized Guidance

Our experts ensure the process is stress-free.

Types of Business Loans We Offer

At SBI California, we provide a wide range of financing solutions to suit your goals:

  • Term Loans: Secure long-term financing for significant investments like equipment or capital expansion
  • Lines of Credit: Get access to funds when you need them for operational expenses or emergencies.
  • Letters of Credit: Ensure smooth international trade with guaranteed financing options.
  • SBA Loans: As an SBA Preferred Lender, we simplify funding for small businesses with competitive rates.

Specialized Lending Services:

  • Commercial Real Estate Loans: Finance purchases and development of hotel, office, multi-family, or retail properties.
  • Asset-Based Lending: Utilize your business assets for liquidity.
  • Small Business Lending: Designed to cater to your specific needs with favorable terms and support.

Our tailored options make SBIC the go-to bank for business loans.

Get expert advice and tools to learn how to get a business loan or manage your finances effectively. Speak with one of our knowledgeable Branch associates today.

Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"You will have a wonderful experience at SBI (California). Staff members are polite, respectful and will make your banking experience great. Bank on them!"

O. Shukla, San Diego
Customer Endorsements and Testimonials
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"Easy signup, smooth experience without any hassle." 

Ritesh K., Sunnyvale
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"Excellent customer service & support. I have been banking with SBI California for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC." 

Sudhir D., Los Angeles
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"You will have a wonderful experience at SBI (California). Staff members are polite, respectful and will make your banking experience great. Bank on them!"

O. Shukla, San Diego
Customer Endorsements and Testimonials
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"Easy signup, smooth experience without any hassle." 

Ritesh K., Sunnyvale
Customer Endorsements and Testimonials

Testimonials

Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:

"Excellent customer service & support. I have been banking with SBI California for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC." 

Sudhir D., Los Angeles
EXPLORE

Our Products

State Bank of India (California) offers a range of business loans and personal banking solutions. From new business loans and business funding to remittance services and high-yield accounts, we provide the tools to help you succeed.

Business Checking Accounts

Manage day-to-day expenses efficiently

Learn More

Business Savings Accounts

Earn interest while maintaining liquidity

Learn More

Business Credit Cards

Access funding to fuel growth

Learn More

Looking for personalized banking? Visit one of our convenient locations. Use our website  to find a branch near you and explore tailored business loan solutions today. 

FAQs

About Business Lending

Yes, we provide Commercial Real Estate Lending for purchasing or renovating hotels, motels, multi-family apartments, offices, and shopping complexes to support your business and investment goals.

Applying is easy! Visit a branch where our team will assist you or call us at 877-707-1995" We make getting a small business loan simple and convenient.

Asset-based lending allows you to use business assets as collateral for financing, enhancing liquidity and cash flow. It's ideal for periods of growth or seasonal fluctuations.

Commercial Lending provides credit options like term loans, lines of credit, and letters of credit to fund capital expenses, support growth, or manage daily operations. With local decision-making, we offer fast and customized solutions to meet your business loan needs.

We provide a variety of business loans tailored to your needs, including Commercial Real Estate Lending, Asset-Based Lending, Small Business Lending. Our offerings include term loans, lines of credit, letters of credit, and SBA Loan Programs to support your business funding goals.

Yes, we offer SBA Loan Programs as part of our small business solutions. Eligibility is based on SBA criteria, and our team will assist you through the process.

Yes, current customers may receive preferential rates or faster approval processes based on their relationship with SBIC.

Yes, SBA programs and other initiatives cater to women and minority-owned businesses. Our team can guide you to the best available options.

Yes, depending on your business's financial health and needs, you can apply for different types of loans simultaneously, such as a line of credit and a term loan.

Possibly, options like SBA Loans or asset-based lending can accommodate lower credit scores. Our team will work with you to find a solution tailored to your situation.

Yes, certain loan programs allow refinancing to consolidate debt and achieve better repayment terms.

Collateral requirements depend on the loan type. While many loans require collateral, options like lines of credit or specific SBA programs may not.

Yes, through our Letters of Credit and Trade Finance services, we assist businesses with secure and efficient international transactions.

Our loan advisors provide personalized consultations to match you with the most suitable loan type based on your goals, financial status, and industry.

Our Small Business Lending includes SBA Loan Programs with in-house credit decisions as an SBA Preferred Lender. This ensures faster approvals, helping you secure the funding you need.

Loan approval typically takes a few business days to a few weeks, depending on the complexity of your application and the loan type.

Credit approval considers the financial health of your business and its owners and varies based on product or amount applied for. Additional eligibility criteria must be met for SBA loans.

We support a wide range of industries, including hospitality, retail, manufacturing, healthcare, professional services, and technology, among others.

SBA loans are government-backed loans with favorable terms designed to support small businesses. As an SBA Preferred Lender, SBIC ensures faster processing and approvals.

Interest rates vary depending on the loan type and terms. They are competitive and often customized based on your business profile.

The maximum loan amount depends on the specific loan product and your business's financial profile. Contact us for personalized advice.

Stay connected with SBIC. Explore business loan options, locate branches, or access resources to manage your financial goals—all in one place. 

1Terms for credit products are subject to final credit approval of the business and its owners.

2For SBA loan products, SBA eligibility is also required.