Mission Valley Bank
SBA 7(a) Preferred Lender in Sun Valley, CA: $500K to $5M, 10 to 25 yrs, median 9.25% rate (last 12 months), 10% down typical. Best for secured California deals.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Owners, mainly in California, who need an SBA 7(a) loan of about $500K to $5M for real estate, a business purchase or expansion, with roughly 10% down.
Not for: Borrowers who need well under $500K (its typical floor), want funding in days, or can't pledge collateral.
Lender List verdict: Mission Valley Bank is a Southern California SBA Preferred Lender that approved 57 SBA 7(a) loans worth $89.5M in the 12 months to June 30, 2026, at a median rate of 9.25%. Strong for larger secured deals; no published rates, fees or timeline.
Mission Valley Bank at a glance
Mission Valley Bank makes SBA 7(a) loans of $500K to $5M, mostly in California.
| Mission Valley Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 57101); SBA Preferred Lender |
| Founded / HQ | 2001 / Sun Valley, California |
| Amounts | $500K to $5M (typical) |
| Cost (headline) | 7.75% to 10.5%, median 9.25% (last 12 months) |
| Term | 10 years, or 25 years with real estate |
| Status | Active; last SBA approval June 29, 2026 |
What is Mission Valley Bank?
Mission Valley Bank is an independent business bank in Sun Valley, California, opened in 2001, with about $782 million in assets and four Los Angeles County branches.
Its 309 SBA 7(a) loans since FY2020 total $506.1M with no recorded charge-offs; 177 were in California. Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
How a Mission Valley Bank SBA loan works
Mission Valley Bank approves SBA 7(a) loans in-house, repaid monthly over 10 or 25 years.
It approved 78 SBA 7(a) loans in FY2024, 68 in FY2025 and 36 in FY2026 to June 30, 279 of 309 since FY2020 under PLP authority. Rates are variable, the median loan is $1.12M, and collateral was taken on all 104 FY2025–26 loans.
Mission Valley Bank rates and fees
Mission Valley Bank's SBA 7(a) loans in the 12 months to June 30, 2026 started at 7.75% to 10.5%, median 9.25%. At today's 7.00% Prime, SBA caps new loans above $350K at 10.0%; the cap moves with Prime. The SBA guaranty fee is 3% of the guaranteed portion on loans of $150,001 to $700K; lender fees are not published.
Worked example: $350,000 over 10 years at 9.25% costs $4,481.15 a month, or $187,737.43 in interest. Add the $7,875 guaranty fee ($350,000 × 75% × 3%) and the total cost is $195,612.43, about 9.8% APR with the fee financed.
Mission Valley Bank requirements
Mission Valley Bank typically asks for 10% down plus a personal guarantee from every 20% owner.
| Requirement | Mission Valley Bank |
|---|---|
| Down payment | Typically 10%; up to 100% on some building expansions |
| Personal guarantee | Owners of 20% or more |
| Business size | Must meet SBA size standards |
| Credit score / time in business | Lender does not publish |
Compare SBA 7(a) lenders, or see Los Angeles-based Lendistry for loans under $500K.
Frequently asked questions about Mission Valley Bank
Is Mission Valley Bank Legit? Yes. Mission Valley Bank is an FDIC-insured bank (certificate 57101) operating since 2001 and an SBA Preferred Lender. It has approved 309 SBA 7(a) loans since FY2020 with no recorded charge-offs, and says it has held CDFI status since 2007.
How Long Does Mission Valley Bank Take to Close an SBA Loan? Mission Valley Bank does not publish a timeline; standard SBA 7(a) loans often take 60 to 90 days (about 2 to 3 months). As a Preferred Lender it approves loans in-house, skipping the 5 to 10 business days of SBA review other lenders add.
Does Mission Valley Bank Lend to Startups? Yes. Eight of Mission Valley Bank's 57 SBA loans in the 12 months to June 30, 2026 funded businesses that had not yet opened (15 of 104 in FY2025–26). Startups should expect about 10% down, collateral and personal guarantees from all 20% owners.
Where Is Mission Valley Bank Located? Mission Valley Bank is headquartered at 8823 Sunland Blvd. in Sun Valley, California, with branches in Valencia (Santa Clarita), Burbank and Arcadia. It is unrelated to San Diego's Mission Valley neighborhood; its SBA loans have reached 32 states.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Owners, mainly in California, who need an SBA 7(a) loan of about $500K to $5M for real estate, a business purchase or expansion, with roughly 10% down.
Not for: Borrowers who need well under $500K (its typical floor), want funding in days, or can't pledge collateral.
Lender List verdict: Mission Valley Bank is a Southern California SBA Preferred Lender that approved 57 SBA 7(a) loans worth $89.5M in the 12 months to June 30, 2026, at a median rate of 9.25%. Strong for larger secured deals; no published rates, fees or timeline.
Mission Valley Bank at a glance
Mission Valley Bank makes SBA 7(a) loans of $500K to $5M, mostly in California.
| Mission Valley Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 57101); SBA Preferred Lender |
| Founded / HQ | 2001 / Sun Valley, California |
| Amounts | $500K to $5M (typical) |
| Cost (headline) | 7.75% to 10.5%, median 9.25% (last 12 months) |
| Term | 10 years, or 25 years with real estate |
| Status | Active; last SBA approval June 29, 2026 |
What is Mission Valley Bank?
Mission Valley Bank is an independent business bank in Sun Valley, California, opened in 2001, with about $782 million in assets and four Los Angeles County branches.
Its 309 SBA 7(a) loans since FY2020 total $506.1M with no recorded charge-offs; 177 were in California. Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
How a Mission Valley Bank SBA loan works
Mission Valley Bank approves SBA 7(a) loans in-house, repaid monthly over 10 or 25 years.
It approved 78 SBA 7(a) loans in FY2024, 68 in FY2025 and 36 in FY2026 to June 30, 279 of 309 since FY2020 under PLP authority. Rates are variable, the median loan is $1.12M, and collateral was taken on all 104 FY2025–26 loans.
Mission Valley Bank rates and fees
Mission Valley Bank's SBA 7(a) loans in the 12 months to June 30, 2026 started at 7.75% to 10.5%, median 9.25%. At today's 7.00% Prime, SBA caps new loans above $350K at 10.0%; the cap moves with Prime. The SBA guaranty fee is 3% of the guaranteed portion on loans of $150,001 to $700K; lender fees are not published.
Worked example: $350,000 over 10 years at 9.25% costs $4,481.15 a month, or $187,737.43 in interest. Add the $7,875 guaranty fee ($350,000 × 75% × 3%) and the total cost is $195,612.43, about 9.8% APR with the fee financed.
Mission Valley Bank requirements
Mission Valley Bank typically asks for 10% down plus a personal guarantee from every 20% owner.
| Requirement | Mission Valley Bank |
|---|---|
| Down payment | Typically 10%; up to 100% on some building expansions |
| Personal guarantee | Owners of 20% or more |
| Business size | Must meet SBA size standards |
| Credit score / time in business | Lender does not publish |
Compare SBA 7(a) lenders, or see Los Angeles-based Lendistry for loans under $500K.
Frequently asked questions about Mission Valley Bank
Is Mission Valley Bank Legit? Yes. Mission Valley Bank is an FDIC-insured bank (certificate 57101) operating since 2001 and an SBA Preferred Lender. It has approved 309 SBA 7(a) loans since FY2020 with no recorded charge-offs, and says it has held CDFI status since 2007.
How Long Does Mission Valley Bank Take to Close an SBA Loan? Mission Valley Bank does not publish a timeline; standard SBA 7(a) loans often take 60 to 90 days (about 2 to 3 months). As a Preferred Lender it approves loans in-house, skipping the 5 to 10 business days of SBA review other lenders add.
Does Mission Valley Bank Lend to Startups? Yes. Eight of Mission Valley Bank's 57 SBA loans in the 12 months to June 30, 2026 funded businesses that had not yet opened (15 of 104 in FY2025–26). Startups should expect about 10% down, collateral and personal guarantees from all 20% owners.
Where Is Mission Valley Bank Located? Mission Valley Bank is headquartered at 8823 Sunland Blvd. in Sun Valley, California, with branches in Valencia (Santa Clarita), Burbank and Arcadia. It is unrelated to San Diego's Mission Valley neighborhood; its SBA loans have reached 32 states.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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