PCB Bank
SBA Preferred Lender bank: SBA 7(a) loans up to $5M plus SBA 504, 8.5% median starting rate, no published credit minimum, 30 to 90 days to fund. Best for business buyers.
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 buying a business, restaurant, gas station or owner-occupied building with SBA financing in California, Texas, Georgia or Washington.
Not for: Borrowers needing funds within days or lacking collateral.
Lender List verdict: PCB Bank is an SBA Preferred Lender that approved 101 SBA 7(a) loans worth $117.4 million in the 12 months to June 2026, at a median starting rate of 8.5%. Every recent loan was secured, and pricing is quote-only.
PCB Bank at a glance
| PCB Bank | |
|---|---|
| Lender type | Bank; SBA Preferred Lender |
| Founded / HQ | 2003 / Los Angeles, California |
| Parent | PCB Bancorp (NASDAQ: PCB) |
| Amounts | SBA 7(a) up to $5,000,000 |
| Cost | 8.5% median starting rate; variable |
| Status | Active |
What is PCB Bank?
PCB Bank is a 23-year-old Los Angeles bank, called Pacific City Bank until 2022, with $3.47 billion in assets and 19 offices in five states. With few third-party PCB Bank reviews, federal data is the better guide.
How PCB Bank's SBA loans work
PCB Bank makes SBA 7(a) loans of up to $5,000,000 and SBA 504 loans, with SBA lending officers in Los Angeles, Orange County, Georgia and Washington; as a Preferred Lender it approves loans in-house. Terms run up to 25 years for real estate and 10 years otherwise.
PCB Bank's SBA programs
PCB Bank approved 135 SBA 7(a) loans in FY2025 and 65 more in FY2026 through June, all as a Preferred Lender.
| SBA metric | PCB Bank |
|---|---|
| Last 12 months to June 30, 2026 | 101 loans, $117.4M |
| Median loan (FY2026 through June) | $760,000 |
Source: SBA 7(a) FOIA data as of June 30, 2026 (data.sba.gov).
PCB Bank rates and fees
PCB Bank's SBA 7(a) loans had a median starting rate of 8.5% in the 12 months to June 2026, under today's 10% cap for loans over $350,000. SBA caps are Prime (7.00%) plus 4.5% for $250,001 to $350,000 and plus 3% above that.
Worked example: a $350,000, 10-year 7(a) loan at 8.5% costs $4,339.50 a month; 120 payments total $520,739.89, including $170,739.89 of interest. A 3% SBA guaranty fee on the $262,500 guaranteed share ($7,875) lifts the APR to about 9.03%.
PCB Bank requirements
PCB Bank publishes no credit, revenue or time-in-business minimum; borrowers must meet SBA size standards.
| Requirement | PCB Bank minimum |
|---|---|
| Time in business | None; startups accepted |
| Equity injection | 10% for startups and business purchases |
| Collateral / guarantee | Collateral on every FY2026 loan; 20%+ owners guarantee |
Frequently asked questions about PCB Bank
Is PCB Bank Legit? Yes. PCB Bank has been FDIC-insured since 2003, is owned by Nasdaq-listed PCB Bancorp and is an SBA Preferred Lender with no charge-offs among 756 7(a) loans since FY2020. It has made SBA loans in 27 states; we found no BBB or Trustpilot rating.
Does PCB Bank Offer SBA 7(a) Loans? Yes. PCB Bank makes SBA 7(a) loans of up to $5,000,000. It also offers 504 loans for owner-occupied property. Its median FY2026 7(a) loan through June was $760,000, and 58 of 101 loans in the last 12 months financed business purchases.
How Long Does PCB Bank Take to Close an SBA Loan? PCB Bank does not publish a timeline; SBA 7(a) loans typically take 30 to 90 days from application to funding. As a Preferred Lender it approves loans in-house, skipping the 5 to 10 business-day SBA review that non-Preferred lenders must wait on.
Does PCB Bank Lend to Startups? Yes, in small numbers. Seven of its 65 FY2026 SBA 7(a) loans through June opened brand-new businesses, while most went to buyers of existing companies. SBA rules still require a 10% equity injection, collateral and a personal guarantee from 20% owners.
Compare Lendistry, iBusiness Funding, or all SBA 7(a) loans.
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 buying a business, restaurant, gas station or owner-occupied building with SBA financing in California, Texas, Georgia or Washington.
Not for: Borrowers needing funds within days or lacking collateral.
Lender List verdict: PCB Bank is an SBA Preferred Lender that approved 101 SBA 7(a) loans worth $117.4 million in the 12 months to June 2026, at a median starting rate of 8.5%. Every recent loan was secured, and pricing is quote-only.
PCB Bank at a glance
| PCB Bank | |
|---|---|
| Lender type | Bank; SBA Preferred Lender |
| Founded / HQ | 2003 / Los Angeles, California |
| Parent | PCB Bancorp (NASDAQ: PCB) |
| Amounts | SBA 7(a) up to $5,000,000 |
| Cost | 8.5% median starting rate; variable |
| Status | Active |
What is PCB Bank?
PCB Bank is a 23-year-old Los Angeles bank, called Pacific City Bank until 2022, with $3.47 billion in assets and 19 offices in five states. With few third-party PCB Bank reviews, federal data is the better guide.
How PCB Bank's SBA loans work
PCB Bank makes SBA 7(a) loans of up to $5,000,000 and SBA 504 loans, with SBA lending officers in Los Angeles, Orange County, Georgia and Washington; as a Preferred Lender it approves loans in-house. Terms run up to 25 years for real estate and 10 years otherwise.
PCB Bank's SBA programs
PCB Bank approved 135 SBA 7(a) loans in FY2025 and 65 more in FY2026 through June, all as a Preferred Lender.
| SBA metric | PCB Bank |
|---|---|
| Last 12 months to June 30, 2026 | 101 loans, $117.4M |
| Median loan (FY2026 through June) | $760,000 |
Source: SBA 7(a) FOIA data as of June 30, 2026 (data.sba.gov).
PCB Bank rates and fees
PCB Bank's SBA 7(a) loans had a median starting rate of 8.5% in the 12 months to June 2026, under today's 10% cap for loans over $350,000. SBA caps are Prime (7.00%) plus 4.5% for $250,001 to $350,000 and plus 3% above that.
Worked example: a $350,000, 10-year 7(a) loan at 8.5% costs $4,339.50 a month; 120 payments total $520,739.89, including $170,739.89 of interest. A 3% SBA guaranty fee on the $262,500 guaranteed share ($7,875) lifts the APR to about 9.03%.
PCB Bank requirements
PCB Bank publishes no credit, revenue or time-in-business minimum; borrowers must meet SBA size standards.
| Requirement | PCB Bank minimum |
|---|---|
| Time in business | None; startups accepted |
| Equity injection | 10% for startups and business purchases |
| Collateral / guarantee | Collateral on every FY2026 loan; 20%+ owners guarantee |
Frequently asked questions about PCB Bank
Is PCB Bank Legit? Yes. PCB Bank has been FDIC-insured since 2003, is owned by Nasdaq-listed PCB Bancorp and is an SBA Preferred Lender with no charge-offs among 756 7(a) loans since FY2020. It has made SBA loans in 27 states; we found no BBB or Trustpilot rating.
Does PCB Bank Offer SBA 7(a) Loans? Yes. PCB Bank makes SBA 7(a) loans of up to $5,000,000. It also offers 504 loans for owner-occupied property. Its median FY2026 7(a) loan through June was $760,000, and 58 of 101 loans in the last 12 months financed business purchases.
How Long Does PCB Bank Take to Close an SBA Loan? PCB Bank does not publish a timeline; SBA 7(a) loans typically take 30 to 90 days from application to funding. As a Preferred Lender it approves loans in-house, skipping the 5 to 10 business-day SBA review that non-Preferred lenders must wait on.
Does PCB Bank Lend to Startups? Yes, in small numbers. Seven of its 65 FY2026 SBA 7(a) loans through June opened brand-new businesses, while most went to buyers of existing companies. SBA rules still require a 10% equity injection, collateral and a personal guarantee from 20% owners.
Compare Lendistry, iBusiness Funding, or all SBA 7(a) loans.
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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