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Our SBA preferred lender status allows us to make
decisions in-house — streamlining the application
process to deliver a response in days, not weeks.

Key Features

  • Competitive Rates
  • Fast Processing
  • In-House Decisions
  • Dedicated Relationship Managers
  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity1
  • Local decision-making and processing
  • Personalized, dedicated service from our Relationship Managers

A variety of Small Business loan programs are available to assist small and medium sized businesses.

Small Business Administration (SBA) 7(a) Loan Program:

  • Start-up financing
  • Working capital
  • Business purchase
  • Purchase of equipment or inventory
  • Leasehold improvements
  • Construction
  • Up to 90% financing for owner-occupied commercial real estate purchases and construction 

Small Business Administration (SBA) 504 Loan Program:

The 504 SBA loan program is a long-term financing tool for economic development within a community and provides growing businesses with long-term fixed rate financing for major assets. Proceeds from the 504 loan program must be used for fixed asset projects such as: 

  • Up to 90% financing to purchase owner-occupied real estate
  • Construction of new facilities, or modernizing, renovating or converting existing facilities
  • Purchasing long term machinery and equipment

For more information about SBA loans available at Lighthouse Bank, please contact a Relationship Manager.

1Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

Lighthouse Bank has been the perfect partner for our business. They helped us secure our loan and credit line to help pivot our business and set us up for success for years to come.

Spencer Joseph & Brandon Stewart
Caliber Truck Co

Lighthouse has been a partner of the Digital NEST since its inception. It has been a pleasure working with them and they have met all of our needs including easy access to Online Banking & Remote Deposit Capture.

Jacob Martinez
Digital NEST

Starting a business is tough, but Lighthouse Bank’s SBA Lending Program ensured we had the capital we needed to succeed.

Chris Baca, Charles Jack, and Jared Truby
Cat & Cloud Coffee

It's fun to go to Lighthouse Bank! We're appreciated as individuals and as members of our shared community. We were happy to partner with them via a loan to solar power our business.

Rob & Kathleen Genco
Discretion Brewing

Banking with Lighthouse allows us to spend more time running our business and less time making trips to the bank!

Mary Ann & Mark Escobar
Escobar Diamonds

Lighthouse Bank’s focus on exceptional service is impressive! They understand my needs and continually deliver ultra-responsive service.

Karen K. McCay
Pahl & McCay

Lighthouse Bank isn’t just a bank. They really care about every customer who walks in the door, from greeting you by name, to finding the right solution to your banking needs, and supporting small businesses.

Carrie Clark & Sebastian Manjon
ViDA Juice

We love them so much we decided to open personal accounts as well!

Leilani Zehnder and Ariel Stirm
Botanic & Luxe

We couldn’t have asked for a better partner to start a new business! Lighthouse Bank’s SBA lending program has helped us turn our dream into a reality.

Jason and Josh Morgan
PRIMAL Santa Cruz

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