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SBA lender · 7(a) program
Commercial Bank of California
Commercial Bank of California has approved 556 SBA loans worth $639.3M since FY2010 - the #154 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#154
0.13% of all SBA dollars
Total approved
$639.3M
FY2010 onward
Loans
556
Median loan
$747,500
+315% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
4.5%
244 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Commercial Bank of California’s numbers say
Commercial Bank of California sits solidly inside the SBA lending field, having approved 556 loans for a gross total of $639.3M since fiscal 2010. Its median loan of $747,500 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 4.5% were charged off, 3.0 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 18% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a book weighted toward established operators.
Where Commercial Bank of California lends
| State | Loans | Share |
|---|---|---|
| California | 490 | |
| Texas | 9 | |
| New Jersey | 8 | |
| Nevada | 6 | |
| Washington | 5 | |
| Arizona | 5 | |
| Oregon | 4 | |
| Oklahoma | 4 |
What it lends against
Franchise brands Commercial Bank of California financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Econo Lodge | 6 | $12.2M | |
| Black Bear Diners | 6 | $8.1M | |
| Motel 6 | 5 | $11.2M | |
| Days Inn | 5 | $8.6M | |
| Best Western | 4 | $11.9M | |
| Americas Best Value Inn (f | 3 | $4.8M | |
| Rodeway Inn | 3 | $8.7M | |
| Travelodge by Wyndham | 3 | $7.1M |
Brands with the most Commercial Bank of California SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Commercial Bank of California made 31 of these loans under the SBA Express programme, median $250,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Commercial Bank of California. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about Commercial Bank of California
- How many SBA loans has Commercial Bank of California approved?
- Commercial Bank of California has approved 556 SBA loans totalling $639,305,600 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #154 among all SBA lenders by dollars approved.
- What is the typical Commercial Bank of California SBA loan size?
- The median gross approval is $747,500, with the middle 80% of loans falling between $200,000 and $2,775,000. The national median across all SBA lenders is $180,000.
- What interest rate does Commercial Bank of California charge on SBA 7(a) loans?
- The median initial note rate on Commercial Bank of California's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Commercial Bank of California's SBA loan charge-off rate?
- 4.5% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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