PCB Bank
SBA lender based in California serving 37 states and 61 industries
PCB Bank has funded 3,007 SBA loans across 37 states and 61 industries. Their average loan size is $816K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against PCB Bank and 897+ alternatives based on closing probability + pricing.
Top Lending States
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Book a CallWhy borrowers choose PCB Bank
PCB Bank is best suited for borrowers seeking larger institutional acquisitions, CRE, and equipment-heavy deals, with an average SBA loan of $816K. The lender's deepest industry experience is in Gasoline Stations, and their highest-volume state is California. With 3,007 SBA loans funded across 37 states, they are one of a small set of true national SBA lenders. Their portfolio default rate is 857.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against PCB Bank and 897+ alternatives.
Recent SBA Activity at PCB Bank
Franchise lending: PCB Bank has funded SBA loans for multiple franchise concepts, with the highest volume in Chevron - Retail Supply Contra, BAJA FRESH MEXICAN GRILL, and SUBWAY SANDWICH SHOP. 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 Gasoline Stations, Limited-Service Restaurants, and Full-Service Restaurants. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are California, Washington, Texas, Virginia, and Oregon. Lenders typically underwrite faster in states where they already have closing comps.
Compare PCB Bank to Similar SBA Lenders
Other SBA lenders headquartered in California with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
About PCB Bank SBA Lending
PCB Bank is an SBA lender headquartered in California. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
PCB Bank serves borrowers across 37 states and 61 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether PCB Bank 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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See Related Rates by Program
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting