SBA 7(a) Loans

SBA 7(a) Loans

As a market share leader in the San Luis Obispo and Santa Barbara counties, American Riviera Bank is proud to be a Preferred Lender through the United States Small Business Administration (SBA) 7(a) program. The 7(a) program offers loan guaranties to bolster loan applications that may not meet conventional lending standards.


  • Loans are amortized and payable over an extended period
    • Real Estate: 25 years
    • All other uses: 5-10 years
  • Capped variable interest rate (cannot exceeds SBA Maximum allowed)
  • Term Loans up to $5 million; Lines of Credit up to $350,000*
  • Funds can be used to meet a variety of needs including:
    • Debt Refinance
    • Business Acquisition
    • Expansion/renovation of owner-occupied real estate
    • Purchase of machinery & equipment
    • Leasehold improvements
    • Inventory and accounts receivable
    • Permanent working capital
    • Lines of Credit

As an SBA Preferred Lender, we offer a team of experts and local decision-makers who streamline the process for you, which means faster decisions and direct access to help when you need it.

What do I need to apply?

  • 3 years business federal tax returns
  • Current Income Statement and Balance Sheet
  • Business Debt Schedule to match Balance Sheet (we can provide you with a spreadsheet)
  • Business Plan and two year projections for startup or business acquisition
  • 3 years personal federal tax returns
  • Personal Financial Statement
  • Reach out to one of our SBA Experts for more information on application requirements.

Ask an Expert

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Annette Jorgensen

Vice President, SBA Business Development Officer

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Location: Santa Barbara

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Renee Howard

Assistant Vice President, SBA Business Development Officer

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Location: San Luis Obispo

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Elevated Checking

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Paycheck Protection Program (PPP)

An SBA loan to help keep your workforce employed during the Coronavirus (COVID-19) crisis.

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SBA 504 Loans

Fixed-asset financing to assist you in expanding your businesses, such as real estate purchases or machinery and equipment with a longer useful life.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

American Riviera Bank has been invaluable for help and advice as we have grown the business.
Josh and Lindsey Haring, The Mountain Air