Banking Products

Business Banking


The SBA Program at California International Bank, N.A. is to assist small businesses.

Use of Proceeds:

Our SBA loan program:

  • Purchase of owner-occupied commercial real estate
  • Business acquisition
  • Expansion of your business operations (i.e. working capital, purchases of inventory, equipment or machinery)
  • Construct leasehold improvements to owner-occupied space
  • Debt refinancing
  • Business start up

Program Highlights:

  504 7(a)
(a) Applicable to loans with terms less than 15 years
Owner Occupancy >51% for existing building;
>60% for construction of new building
>51% for existing building;
>60% for construction of new building
Use of Proceeds Purchase of owner-occupied commercial real estate or tenant improvements to owner-occupied space
  • Purchase, renovation or expansion of commercial real estate
  • Purchase of equipment
  • Working capital needs
  • Business acquisition
  • Debt refinance
  • Start up
Loan Terms
  • 1st TD - 5-year term with 25 years amortization period
  • 2nd TD - 20 years fully amortized
  • Up to 25 years fully amortized for real estate
  • Equipment up to 10 years(or useful life)
  • Working capital up to 7 years
  • Business acquisition up to 10 years
  • Up to 90% financing
  • Bank's 1st trust deed loan: 5-year term and amortized over 25 years
  • CDC/SBA 2nd trust deed loan: fully amortized over 20 years
  • Reduce monthly payments
  • Lower down payment
  • Longer maturity
  • Improved cash flow
  • No prepayment Penalty (a)

Contact SBA Department at (714) 338-8718 or send an email to: tshu@saigonnational.com

Back to Top

15606 Brookhurst Street, Westminister, CA 92683 (714) 338-8700