Get the IDEAL LOAN for your BUSINESS

Preserve Working Capital.

Keep more cash in your business with a low 10% down payment, and the ability to finance fees at closing. Plus, because SBA loans are fully amortized, you’ll skip the balloon payment at maturity.

Improve Cash Flow.

Pay the lowest possible monthly payment with longer repayment terms of up to 25 years.

Maximize Possibilities.

Receive approval for your greatest loan amount with lower debt-service coverage requirements and flexible collateral parameters. Growing businesses may even use projected future income!

Receive Expert Advice—Every Step of the Way.

Whether you’re ready to apply or still strategizing, you need solid financing information to help you take full advantage of your SBA Loan. CU SoCal’s Business Lending representatives offer personalized expertise and professional guidance through the entire loan process—even after hours and on weekends.

Loan Amounts $250,000 – $2,000,000
Qualified Loan Uses Purchase land or existing building
Expand or renovate facilities
Construct commercial buildings
Purchase machinery or equipment
Buy out a partner
Purchase a franchise
Use for working capital
Loan Terms 5 to 7 years for working capital
Up to 10 years for equipment.
Up to 25 years for fixed assets—including real estate, construction, and capital equipment.
Eligible Businesses Domestic
For-profit
Independently owned and operated
Net worth < $15 million
Average net income < $5,000,000
Eligible Legal Entities Sole Proprietorship (with or without DBA Partnerships)
Corporations (including S-Corporations)
Limited Liability Companies
General Partnerships

One-to-One With Our Commercial Lending Officers

Meeting face-to-face or over the phone with our Commercial Lending Officers gives you the opportunity to have all your detailed financing questions answered and to gain valuable insights. To prepare for the discussion, we encourage you to have a rent roll and income/expense statement on hand.

Contact Orlando Cepeida, Commercial Lending Officer, at 562.365.1893, 714.316.3567 (cell), or by email to OCepeida@CUSoCal.org.

Contact Dexter De Mesa, Vice President of Commercial Lending, at 562.365.1888, 562.325.4135 (cell), or by email to DDeMesa@CUSoCal.org.

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