California Bank & Trust (CB&T), an SBA Preferred Lender, is helping small business owners across California tap into powerful financing options through SBA 7(a) loans — one of the most fast and flexible tools available to entrepreneurs.
As the fifth-largest economy in the world, California’s economic strength is powered in large part by its small businesses, which form the backbone of local communities and drive innovation across industries. Yet despite their critical role, many small businesses still face barriers to accessing capital—particularly in underserved and rural areas. Raising awareness of SBA loan programs is essential to bridging that gap. These loans can offer a financial lifeline for entrepreneurs looking to launch, grow or recover from unexpected challenges like natural disasters or economic downturns. With more equitable access to funding, California’s small business owners are better equipped to hire, expand and contribute to the state’s long-term economic resilience.
“California is a vibrant ecosystem for small businesses — from family-owned restaurants and retailers to innovative startups and service providers,” said CB&T Chief Operations Officer Chikako Tyler. "Yet, many of these businesses remain unaware that they could qualify for accessible, long-term SBA financing that can assist them in growing, recruiting more staff or strengthening their foundation."
The SBA 7(a) loan is the most versatile SBA lending option, designed to support a wide range of needs including:
- Acquiring, refinancing or improving real estate and/or buildings
- Short-and long-term working capital
- Debt refinancing
- Purchasing and installation of machinery and equipment• Purchasing furniture, fixtures and supplies
- Changes in ownership, business acquisitions and partner buyouts With lower down payments, longer terms and competitive rates, it can be a game-changer — especially for businesses navigating challenges like tighter lending conditions or shifting market dynamics.
As an SBA Preferred Lender, CB&T simplifies the application process and delivers fast, personalized support for small business clients. To qualify for an SBA 7(a) loan, a business must meet the following criteria:
- Operate as a for-profit company in the United States or its possessions
- Have a tangible net worth of less than $15 million
- Have an average net income of less than $5 million
“We want business owners throughout California to know that they don’t have to do this alone,” said Tyler. “Our SBA lending team is here to explain the options, walk them through the process and help them secure funding that aligns with their goals.”
Financing is subject to credit and SBA approval. Additional terms and conditions apply. Please consult a banker for full program details. Business owners are encouraged to schedule a consultation or explore CB&T’s SBA offerings online to learn more about how to take advantage of these valuable programs.
To learn more about CB&T’s commitment to empowering California’s communities, visit calbanktrust.com. In addition, connect with CB&T on Facebook, X, Instagram and LinkedIn.
About California Bank & Trust (CB&T): Headquartered in San Diego, California Bank & Trust has been helping California families and businesses thrive for over 70 years. With local decision-making backed by regional strength, CB&T’s knowledgeable bankers provide personalized solutions that go beyond what traditional banks offer.
CB&T has earned consistent recognition, including being voted:
- “Best Bank” by San Diego Union-Tribune readers for 15 consecutive years
- “Best Commercial Bank” by San Diego Union-Tribune for 12 years running
- “Best Bank” in The Orange County Register and Sacramento Bee readership polls
CB&T is a division of Zions Bancorporation, N.A. (NASDAQ: ZION) and has been recognized for its excellence in Middle-Market and Small Business banking by Coalition Greenwich Best Bank Awards.
Media Contact:
Sarah Bilyeu
California Bank & Trust
sarah.bilyeu@calbt.com
(619) 252-9111