Business Lending

State Bank of India (California) is committed to helping local businesses of every size get the funding they need to comfortably tackle large capital expenditures and game-changing projects that will secure ongoing commercial growth. We offer a variety of lending solutions with the ability to customize and tailor the best option for your specific requirements. Stop by one of our convenient neighborhood branches today — applying is easy and our knowledgeable consultants can help you navigate the approval process to expedite decision-making.

Business Lending Banner Image

Commercial Lending1

A wide range of flexible credit solutions that will give your business access to the capital you need to grow and evolve. Decisions are made locally, allowing our Commercial Lending team to respond quickly with customized solutions to meet your specific financial needs.

  • Term Loans
  • Lines of Credit
  • Letters of Credit
  • SBA Loan Programs2

Commercial Real Estate Lending

Fast funding for the purpose of purchasing or renovating hotels, motels, multi-family apartments, office buildings, shopping complexes, and more.

  • Commercial Mortgages
  • Construction Financing
  • SBA Loan Programs2

Asset-Based Lending

A reliable source of financing for businesses that want to maximize the value of their assets, achieve greater liquidity, and readily pursue opportunistic growth. Funds can also be used as transitional capital for companies experiencing rapid growth, temporary or explainable losses, seasonality, or other company repositioning.

  • Term Loans
  • Line of Credit/Revolving Line of Credit
  • Letters of Credit

Small Business Lending

Time is money for a small business owner — simplify and expedite your application and approval process with SBIC. As an SBA Preferred Lender, we can streamline the process and have the authority to make the final credit decision, underwriting our own SBA-approved loans.


1Terms for credit products are subject to final credit approval of the business and its owners.

2For SBA loan products, SBA eligibility is also required.



back to top