Commercial Bank of California: SBA business acquisition lending record
Commercial Bank of California (home state CA) approved 25 SBA 7(a) loans to buy existing businesses since FY2018, totaling $25.8M. The median loan was $710,000. It ranks number 278 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $538,000 and $1,210,000. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. California is the largest state (72% of loans). Loans appear in only 6 states, which points to a regional lender.
- Industry concentration. Other Personal Care Services is 24% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 203 SBA 7(a) loans of any purpose since FY2020, totaling $269M. 100% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 16% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
Commercial Bank of California acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 1 | $550K | $550,000 | |
| FY2021 | 2 | $3.8M | $1,880,000 | |
| FY2022 | 3 | $2.4M | $700,000 | |
| FY2023 | 1 | $420K | $420,000 | |
| FY2024 | 3 | $5.8M | $1,845,000 | |
| FY2025 | 8 | $8.2M | $717,250 | |
| FY2026 | 7 | $4.6M | $635,500 |
How often do these acquisition loans fail?
Fewer than 20 Commercial Bank of California acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Terms signed in the LOI shape the purchase agreement that follows.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 18 | 72.0% | $16.7M | |
| 2 | New Jersey | 3 | 12.0% | $1.7M | |
| 3 | Oregon | 1 | 4.0% | $3.4M | |
| 4 | Washington | 1 | 4.0% | $2.1M | |
| 5 | Texas | 1 | 4.0% | $1.2M | |
| 6 | Kentucky | 1 | 4.0% | $703K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Other Personal Care Services | 6 | 24.0% | $5.6M | |
| 2 | Hotels (except Casino Hotels) and Motels | 4 | 16.0% | $8.2M | |
| 3 | Limited-Service Restaurants | 3 | 12.0% | $1.9M | |
| 4 | Child Care Services | 3 | 12.0% | $1.5M | |
| 5 | Gasoline Stations with Convenience Stores | 2 | 8.0% | $1.9M | |
| 6 | Funeral Homes and Funeral Services | 1 | 4.0% | $2.5M | |
| 7 | Home Health Care Services | 1 | 4.0% | $1.6M | |
| 8 | Automotive Body, Paint, and Interior Repair and Maintenance | 1 | 4.0% | $703K | |
| 9 | Nonresidential Property Managers | 1 | 4.0% | $636K | |
| 10 | General Automotive Repair | 1 | 4.0% | $442K |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Travelodge | 1 | 4.0% | $2.1M | |
| 2 | AM/PM Mini-Mart Agreement | 1 | 4.0% | $1.2M | |
| 3 | Van De Pol Enterprises | 1 | 4.0% | $700K |
Questions buyers ask
Does Commercial Bank of California make SBA acquisition loans?
Yes. Commercial Bank of California approved 25 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 278 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Commercial Bank of California's acquisition loans?
The median was $710,000, with the middle half between $538,000 and $1,210,000. The national median is $645,250, so this lender's typical loan is 10% higher than the national figure.
Which states does Commercial Bank of California lend in?
California (18), New Jersey (3), Oregon (1), Washington (1), Texas (1), Kentucky (1). Its loans appear in 6 states, so it is closer to a regional lender.
Which industries does Commercial Bank of California finance?
Other Personal Care Services (6), Hotels (except Casino Hotels) and Motels (4), Limited-Service Restaurants (3), Child Care Services (3), Gasoline Stations with Convenience Stores (2). The top industry is 24% of its acquisition loans.
How have Commercial Bank of California's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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Related
- California acquisitions
- New Jersey acquisitions
- Oregon acquisitions
- Other Personal Care Services
- Hotels (except Casino Hotels) and Motels
- Limited-Service Restaurants
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Commercial Bank of California.