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Small Business Loan Solutions

Our objective is to increase our Client’s likelihood of success. We are here to help. A small
business loan from Pacific Mercantile Bank can be the advantage your company needs to succeed.

Small Business Administration (SBA) Loans

As an SBA Preferred Lender, Pacific Mercantile Bank is committed to helping companies succeed by offering:

Assistance

Our personalized service takes the mystery and red tape out of obtaining an SBA loan, resulting in an
easy to understand process and hands-on assistance from application to funding.

Experience

Our experience in funding acquisitions, expansions and partner buyouts sets us apart from our
competition. Our expertise helps us structure your loan efficiently to meet your company’s needs.

SBA 7(a) Loans

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LOAN AMOUNTS

up to $5,000,000

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REPAYMENT TERMS

Real Estate Loans up to 25 Years
Business Loans 7-10 Years

The SBA 7(a) program provides flexible financing solutions ideal for small to mid–sized businesses. Offering longer amortization, lower down payments, and lower loan payments than conventional financing, SBA 7(a) loans may be the financing solution for the diverse needs of your business including:

  • Business Acquisition / Business Expansion
  • Partner Buy Out
  • Business Purpose Debt Refinance
  • Large Equipment
  • Working Capital
  • Owner Occupied Commercial Real Estate

SBA 504 Loans

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LOAN AMOUNTS

up to $20,000,000

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REPAYMENT TERMS

Real Estate Loans 20-25 Years
Equipment Loans 10 Years

An SBA 504 loan program provides small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization. With a minimum of 10% contribution by the business owner as equity, 504 loans are funded by Pacific Mercantile Bank and the SBA through a Certified Development Company (CDC). CDCs are non-profit corporations that promote economic development within their communities through 504 loans. An SBA 504 loan is an excellent option for small to mid-size businesses seeking up to 90% of financing when considering:

  • Purchase of owner-occupied commercial buildings
  • Construction of new facilities or modernizing, renovating or converting existing facilities
  • Purchase of long-term machinery and equipment

For questions about SBA loans, contact:
Jim Roby, SVP/Director of SBA

949.487.4203
[Learn more about Jim]

Looking for information about SBA Paycheck Protection Program Loan Forgiveness? Click here.

California State Small Business
Loan Guarantee Program

A loan guarantee program designed to assist small businesses that experience capital access barriers.

The California State Small Business Loan Guarantee Program (“SBLGP”) offers a guarantee of up to 80% for small business loans under $20 million, thereby providing broader access to financing for small businesses having difficulty obtaining credit.

For questions about the California State Small Business Loan Guarantee Program, contact:
Mark Martinez, SVP/Regional Manager

909.937.7273
[Learn more about Mark]

Small Business
Education Center

As part of the personal service from Pacific Mercantile Bank, we offer a series of interactive learning experiences to help you get a clear understanding of key financial topics. This free program includes: how businesses obtain and use credit, how to develop an effective business plan, how to create and use business, and more.