Central Valley Bank: Large enough to serve, Small enough to care. SM

Business Banking

Which SBA Financing Solution Is Right for Your Business?

  SBAExpress SBA 7(a) Term Loan SBA 504 Term Loan SBA Patriot Express
Loan or Line of Credit Line of Credit or Loan Loan Loan Line of Credit or Loan
This SBA Solution Offers A streamlined loan application process to access funding for working capital to purchase land, buildings, equipment and inventory. Longer terms on loans to fund working capital, business start-up, business acquisition and real estate. Longer term financing loans for businesses to purchase commercial real estate or to expand their existing operations, help the local economy and create jobs; to longer term financing loans for businesses to purchase commercial real estate or to purchase machinery/equipment, help the local economy and create jobs. A streamlined loan application process to access funding for working capital to purchase land, buildings, equipment and inventory for veterans who are starting or growing their businesses.
Best For For-profit businesses in a variety of industries. For-profit businesses in a variety of industries, including those that are new, in start-up mode or recently acquired. Existing and on-going for-profit businesses, with a net worth less than or equal to $8,500,000 and net profit after taxes less than $3,000,000 for the past two years. Veterans and members of the U.S. military community who want to establish or expand small businesses.
Credit Amount $5,000 to $350,000 SBA Loan guarantee cannot exceed $1,500,000.

Loan ceiling of $2,000,000.
$150,000 to $5,200,000 Maximum SBA Loan $1,500,000 (Up to $4,000,000 for small manufacturers). Up to $500,000.
Rate Loans and Lines of credit less than or equal to $50,000: NY Prime + 6.5%.

Loans and Lines of credit greater than $50,000: NY Prime + 4.5%.
Fixed or Variable.

Loan Term less than 7 years: NY Prime + 2.25%.

Loan Term greater than or equal to 7 years: NY Prime + 2.75%.
Fixed or variable rate, negotiated between Bank and borrower.

SBA Loan: Below market fixed interest payment. Loan rate set when debenture is sold.
Fixed or Variable.

Loan Term less than 7 years: NY Prime + 2.25%.

Loan Term greater than or equal to 7 years: NY Prime + 2.75%.
Serving the Yakima and Kittitas Counties of Washington since 1962