Small Business Administration Loans

Manage & Scale Your Business with an SBA Loan

As a small business owner, growing, scaling and managing your business can be challenging. If you’re looking for capital and want to operate at your fullest capacity, an SBA loan might be the solution you’re looking for. As a SBA preferred lender, PB Capital can offer competitive interest rates, and repayment terms up to 25 years.

Eligible Property Types Include




Auto Repair


Car Dealerships


Day Care


SBA 7(a) Purchase or Refinance

PB Capital is a Preferred SBA 7(a) lender offering loans for commercial real estate (both purchase and refinance), equipment purchases or refinance, as well as many other eligible SBA 7(a) loans.


We are able to assist with loan requests from $350,000 to $5 million. 7(a) loans offer advantages to small businesses through extended terms of 25 years on Real Estate, and 10 years on other loan requests, in addition to competitive pricing.

We are SBA lending experts providing solutions one story at a time.

At PB Capital we offer creative solutions for business owners that are built to fit your unique needs. Our team provides quick approvals within 2 – 4 days, and we will meet your closing deadlines!


We are a one stop shop that focuses solely on Small Business Lending. Because we are specialists you will be dealing with subject matter experts that understand how busy you are, and how to structure your request to achieve the results that will impact your business.

SBA 7(a) Access to Capital

10% Down 25 Year Loan

This program was developed to help small business owners with access to capital, including the purchase or renovation of commercial real estate with as little as 15% down.


Why is PB Capital better than our competitors?


  • Not credit score driven
  • We understand small business financials
  • Access to decision makers
  • Approvals within 2-4 days
  • Quick closing in less than 30 days
  • Short three-year prepayment penalty for 25-year loans (not applicable for 10-year loans)

Loan Structure


Low down payment for the purchase of a building, you can purchase real estate with as little as 15% down.


  • The bank provides up to 85% financing.
  • The loan is guaranteed by the SBA
  • The remaining 15% coming from the borrower.
  • SBA requires personal guarantees of principals that own 20% or more of the operating company


The 7(a) loans allow more creative solutions to allow you to purchase or refinance commercial real estate with a shorter prepayment penalty for 25-year loans, as well as alternative options.

Private Business Capital is a Division of CalPrivate Bank

Founded in 2006, CalPrivate Bank is committed to offering customized financial solutions. Offering a wide array of modern financial services, which include checking, savings, time deposit accounts, treasury management and related tools. CalPrivate Bank is driven by Relationships, Solutions and Trust.