Is Heritage Bank of Commerce a good SBA lender?

Heritage Bank of Commerce has funded 1,751 SBA loans totaling $1.0B in volume across 6 states, with an average loan size of $580K. The lender's default rate is 895.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to Heritage Bank of Commerce or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at Heritage Bank of Commerce?

The average SBA loan size at Heritage Bank of Commerce is $580K, with a range from $22K to $5.0M. This profile suggests they are best suited for borrowers seeking larger institutional acquisitions and CRE deals.

What states does Heritage Bank of Commerce lend in?

Heritage Bank of Commerce actively lends across 6 states. Their highest-volume state is California. Other top states include . Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does Heritage Bank of Commerce fund franchise loans?

Yes — Heritage Bank of Commerce has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is QUIZNOS, followed by SPEEDEE OIL CHANGE & TUNE-UP, DAYS INN, SUBWAY SANDWICH SHOP. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does Heritage Bank of Commerce prefer?

Heritage Bank of Commerce's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Full-Service Restaurants, Repair & Maintenance, Gasoline Stations. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to Heritage Bank of Commerce?

PeerSense matches your specific SBA deal to Heritage Bank of Commerce based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads — we curate fit. No retainer; lender pays referral fee at closing.

SBA LenderCaliforniaHigh VolumeLarge Loans

Heritage Bank of Commerce

SBA lender based in California serving 6 states and 70 industries

Quick Answer

Heritage Bank of Commerce has funded 1,751 SBA loans across 6 states and 70 industries. Their average loan size is $580K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against Heritage Bank of Commerce and 897+ alternatives based on closing probability + pricing.

Geographic Reach

6 States

Regional focus

Industry Coverage

70 Industries

Diverse lending portfolio

Lending Activity

High Volume

Large Loans focus

Top Lending States

California#1

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Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Full-Service Restaurants

Amusement & Recreation

NAICS 713

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Why borrowers choose Heritage Bank of Commerce

Heritage Bank of Commerce is best suited for borrowers seeking larger institutional acquisitions, CRE, and equipment-heavy deals, with an average SBA loan of $580K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is California. With 1,751 SBA loans funded across 6 states, they operate as a regional specialist anchored in California. Their portfolio default rate is 895.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against Heritage Bank of Commerce and 897+ alternatives.

Recent SBA Activity at Heritage Bank of Commerce

Franchise lending: Heritage Bank of Commerce has funded SBA loans for multiple franchise concepts, with the highest volume in QUIZNOS, SPEEDEE OIL CHANGE & TUNE-UP, and DAYS INN. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Full-Service Restaurants, and Repair & Maintenance. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are California. Lenders typically underwrite faster in states where they already have closing comps.

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Compare Heritage Bank of Commerce to Similar SBA Lenders

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About Heritage Bank of Commerce SBA Lending

Heritage Bank of Commerce is an SBA lender headquartered in California. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

Heritage Bank of Commerce serves borrowers across 6 states and 70 industry sectors with a regional lending focus. To find out whether Heritage Bank of Commerce is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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