Plumas Bank
SBA Preferred Lender bank: SBA 7(a) up to $5M plus SBA 504, 8.0% median fixed rate (last 12 months), collateral required, weeks to close. Best for Western 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: Western business owners buying a company, real estate or equipment who want a fixed-rate SBA 7(a) loan up to $5 million.
Not for: Borrowers who need cash in days, posted rates, or a small unsecured loan.
Lender List verdict: Plumas Bank approved 52 SBA 7(a) loans worth $58.8 million in the 12 months to June 2026, all fixed at a median 8.0%. Good for established firms buying a business or property; too slow and collateral-heavy for urgent needs.
Plumas Bank at a glance
| Plumas Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 23275); SBA Preferred Lender |
| Founded / HQ | 1980 / Quincy, California |
| Products | SBA 7(a) up to $5 million; SBA 504 |
| Cost | 8.0% median fixed starting rate (last 12 months) |
| Term | Up to 25 years; 10 years most common |
| Status | Active |
What is Plumas Bank?
Plumas Bank is a Quincy, California bank founded in 1980, with $2.28 billion in assets and 19 offices at June 30, 2026. Its parent, Plumas Bancorp, is based in Reno, Nevada, and its SBA team says it has funded more than $800 million since 2007.
How Plumas Bank's SBA loans work
Plumas Bank makes SBA 7(a) loans up to $5 million and SBA 504 real estate loans, approving 29 of its 30 FY2026 7(a) loans, averaging about $1.05 million, in-house as a Preferred Lender.
- 7(a): business purchases (15% down) up to 10 years; equipment 10; working capital 7; owner-occupied real estate 25
- 504: bank first mortgage up to 65% of value, 10% down, 25-year terms
Sources: Plumas Bank SBA page; SBA 7(a) FOIA data as of June 30, 2026.
Plumas Bank SBA rates and fees
Plumas Bank's recent 7(a) loans carried a median fixed starting rate of 8.0%, one point above today's 7.00% Prime. Its SBA page calls rates variable, but every recent loan was fixed. Expect the SBA guaranty fee (3% of the guaranteed share on $150,001 to $700,000) and a prepayment fee only on 15-year-plus terms.
Worked example: a $350,000, 10-year loan at 8.0% costs $4,246.47 a month, or $159,575.90 in interest over 120 payments. The $7,875 guaranty fee lifts the APR to about 8.53%, under the SBA's 11.5% variable ceiling for this size.
Plumas Bank requirements
Plumas Bank publishes no credit-score, revenue or time-in-business minimum.
| Requirement | Plumas Bank minimum |
|---|---|
| Credit score | Lender does not publish |
| Down payment | 10% (real estate), 15% (business purchase) |
| Collateral / guarantee | Collateral on every FY2026 loan; guarantee from 20%+ owners |
| Size standard | Must meet SBA size standards |
| Time to close | SBA loans typically take 30 to 90 days |
Compare SBA 7(a) loans or California CDFI Lendistry.
Frequently asked questions about Plumas Bank
Is Plumas Bank Legit? Yes. Plumas Bank has operated since 1980, is FDIC-insured (cert 23275), held $2.28 billion in assets at June 30, 2026, and is an SBA Preferred Lender. SBA data shows zero charge-offs among the 451 7(a) loans it approved from FY2020 through June 2026.
Did Plumas Bank Acquire Cornerstone Community Bank? Yes. Cornerstone Community Bank joined Plumas Bank on July 1, 2025, adding branches serving Redding, Red Bluff and Anderson. Plumas says the combined bank has 19 branches, about $2.3 billion in assets and more than 240 employees. It earlier absorbed Bank of Feather River in 2021.
How Long Does Plumas Bank Take to Close an SBA Loan? Expect several weeks; SBA loans typically take 30 to 90 days from application to funding. Plumas promises prequalification in 48 to 72 hours, and Preferred Lenders like Plumas skip the 5 to 10 business-day SBA review, though closing documents take time.
Does Plumas Bank Lend to Startups? Sometimes. Six of its 30 SBA 7(a) loans approved from October 2025 through June 2026 went to businesses two years old or younger, including one startup, and 48 startups have borrowed since FY2020. Expect at least 10% equity, collateral and a personal guarantee.
How Big Is Plumas Bank? Plumas Bank held about $2.28 billion in total assets at June 30, 2026, according to the FDIC, and operates 19 offices. It opened in Quincy, California, in 1980 and is owned by Plumas Bancorp, whose corporate office moved to Reno, Nevada, in 2021.
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: Western business owners buying a company, real estate or equipment who want a fixed-rate SBA 7(a) loan up to $5 million.
Not for: Borrowers who need cash in days, posted rates, or a small unsecured loan.
Lender List verdict: Plumas Bank approved 52 SBA 7(a) loans worth $58.8 million in the 12 months to June 2026, all fixed at a median 8.0%. Good for established firms buying a business or property; too slow and collateral-heavy for urgent needs.
Plumas Bank at a glance
| Plumas Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 23275); SBA Preferred Lender |
| Founded / HQ | 1980 / Quincy, California |
| Products | SBA 7(a) up to $5 million; SBA 504 |
| Cost | 8.0% median fixed starting rate (last 12 months) |
| Term | Up to 25 years; 10 years most common |
| Status | Active |
What is Plumas Bank?
Plumas Bank is a Quincy, California bank founded in 1980, with $2.28 billion in assets and 19 offices at June 30, 2026. Its parent, Plumas Bancorp, is based in Reno, Nevada, and its SBA team says it has funded more than $800 million since 2007.
How Plumas Bank's SBA loans work
Plumas Bank makes SBA 7(a) loans up to $5 million and SBA 504 real estate loans, approving 29 of its 30 FY2026 7(a) loans, averaging about $1.05 million, in-house as a Preferred Lender.
- 7(a): business purchases (15% down) up to 10 years; equipment 10; working capital 7; owner-occupied real estate 25
- 504: bank first mortgage up to 65% of value, 10% down, 25-year terms
Sources: Plumas Bank SBA page; SBA 7(a) FOIA data as of June 30, 2026.
Plumas Bank SBA rates and fees
Plumas Bank's recent 7(a) loans carried a median fixed starting rate of 8.0%, one point above today's 7.00% Prime. Its SBA page calls rates variable, but every recent loan was fixed. Expect the SBA guaranty fee (3% of the guaranteed share on $150,001 to $700,000) and a prepayment fee only on 15-year-plus terms.
Worked example: a $350,000, 10-year loan at 8.0% costs $4,246.47 a month, or $159,575.90 in interest over 120 payments. The $7,875 guaranty fee lifts the APR to about 8.53%, under the SBA's 11.5% variable ceiling for this size.
Plumas Bank requirements
Plumas Bank publishes no credit-score, revenue or time-in-business minimum.
| Requirement | Plumas Bank minimum |
|---|---|
| Credit score | Lender does not publish |
| Down payment | 10% (real estate), 15% (business purchase) |
| Collateral / guarantee | Collateral on every FY2026 loan; guarantee from 20%+ owners |
| Size standard | Must meet SBA size standards |
| Time to close | SBA loans typically take 30 to 90 days |
Compare SBA 7(a) loans or California CDFI Lendistry.
Frequently asked questions about Plumas Bank
Is Plumas Bank Legit? Yes. Plumas Bank has operated since 1980, is FDIC-insured (cert 23275), held $2.28 billion in assets at June 30, 2026, and is an SBA Preferred Lender. SBA data shows zero charge-offs among the 451 7(a) loans it approved from FY2020 through June 2026.
Did Plumas Bank Acquire Cornerstone Community Bank? Yes. Cornerstone Community Bank joined Plumas Bank on July 1, 2025, adding branches serving Redding, Red Bluff and Anderson. Plumas says the combined bank has 19 branches, about $2.3 billion in assets and more than 240 employees. It earlier absorbed Bank of Feather River in 2021.
How Long Does Plumas Bank Take to Close an SBA Loan? Expect several weeks; SBA loans typically take 30 to 90 days from application to funding. Plumas promises prequalification in 48 to 72 hours, and Preferred Lenders like Plumas skip the 5 to 10 business-day SBA review, though closing documents take time.
Does Plumas Bank Lend to Startups? Sometimes. Six of its 30 SBA 7(a) loans approved from October 2025 through June 2026 went to businesses two years old or younger, including one startup, and 48 startups have borrowed since FY2020. Expect at least 10% equity, collateral and a personal guarantee.
How Big Is Plumas Bank? Plumas Bank held about $2.28 billion in total assets at June 30, 2026, according to the FDIC, and operates 19 offices. It opened in Quincy, California, in 1980 and is owned by Plumas Bancorp, whose corporate office moved to Reno, Nevada, in 2021.
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.
Related listings
Saratoga Springs, NY private credit advisory arranging $50K–$20M working capital: lines of credit, term loans, ABL, equi...
SBA Preferred Lender in ME and NH: SBA 7(a) and Express up to $1.75M, 7.75% median rate (last 12 months), collateral req...
Louisville SBA Preferred Lender: 7(a) and 504 loans up to $5M, Express to $500K, 7.75% median starting rate, startups OK...
SBA Preferred Lender for MN, WI and ND owners: 7(a), 504, Express and CAPLine to $5M, median 9.25% variable, ~10-yr term...
SBA Preferred Lender in Wichita, KS: SBA 7(a) and Express loans $10,000 to $5M for KS, NE and MO businesses, 7.38% media...
SBA Preferred Lender bank in CT: SBA 7(a) and Express up to $5M, 9.75% median rate (last 12 months), collateral required...