Small Business Administration Loans

Opus Bank’s portfolio of products, services, and solutions are particularly well-suited to support small to mid-sized businesses with revenues from $5 million to $100 million and more. We believe in building long-term business partner relationships, so you can count on us to be there as you grow.

We know every business is unique, which is why our “common sense underwriting” is designed to help you capitalize on the opportunities that make sense for your business. Our Business Bankers ar​e experts at finding the right financing solution for your business.​



Learn More – about all the advantages of the Opus Bank Business Visa Credit Card​

As a Small Business Administration Preferred Lender, we offer SBA loans as an alternative to traditional financing. Our loan rates are competitive and offer longer repayment terms and lower down payments.​

  • SBA 7(a) Loans – Businesses with special requirements can secure financing for working capital, equipment and inventory purchases, business acquisition, debt refinance, and the purchase or refinance of owner-occupied commercial real estate.
  • CAPLine Loans – With a CAPLine loan, small businesses can meet their short-term and cyclical working capital needs. Funds can be used to finance seasonal working capital requirements and certain types of construction, service and supply contracts, as well as consolidate short-term debt.
  • SBA 504 Loans – Growing businesses can secure long-term, fixed-rate financing to acquire major fixed assets to purchase land and equipment, make improvements, and construct new facilities.
 SBA 504SBA 7(a) Term LoanSBA 7(a) CAPLines
  • Purchase of real estate or large equipment
  • Construction, renovations
  • Purchase of real estate, equipment or inventory
  • Working capital
  • Business purchase
  • Debt refinance
  • Revolving working capital
  • Contract fulfillment expense
  • Seasonal/cyclical working capital 
  • Low down payment options (min. 10%)
  • Longer maturities than conventional options
  • Longer maturities than conventional options
  • Lower down payments than conventional options
  • Less expensive than factoring 
  • Less collateral required for contract financing
Amount  $500,000 to $12,500,000 combined bank and CDC loans  $250,000 to $5,000,000  $250,000 to $5,000,000
  • Fixed or variable rates
  • Up to 25 years amortization
  • 10 year average for equipment
  • Variable rates based on WSJ Prime
  • 25 years for real estate
  • 10 years or more for equipment
  • 7 to 10 years for tenant improvements or working capital
  • Variable rates based on WSJ Prime
  • Terms up to 10 years 


Barbara Fox
Managing Director, SBA Banking
200 W. Commonwealth Ave.
Fullerton CA 92832
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