US Metro Bank
SBA 7(a) and 504 lender, loans $150K to $5M up to 25 yrs. Median 8.25% variable rate, PLP in-house approval. Best for hotel, gas station and real estate 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: Buyers of hotels, gas stations, restaurants and other real-estate-heavy businesses needing an SBA loan of $150K to $5M (median $1.48M).
Not for: Borrowers needing under $150K, fast SBA Express money, or no 10% down payment.
Lender List verdict: US Metro Bank approved 245 SBA 7(a) loans worth $475.2M in the 12 months to June 30, 2026, at a median rate of 8.25%. It publishes no rates or lender fees; the figures here come from SBA data.
US Metro Bank at a glance
US Metro Bank makes SBA 7(a) loans up to $5M and SBA 504 loans.
| US Metro Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 58310); SBA Preferred Lender |
| Founded / HQ | 2006 / Garden Grove, California |
| Amounts | $150K to $5M |
| Cost (headline) | 8.25% median, variable |
| Term | Up to 25 years; median 25 years |
| Status | Active (SBA approval June 26, 2026) |
What is US Metro Bank?
US Metro Bank is a $1.64 billion Garden Grove, California bank, open since 2006, with branches in Southern California and Washington. Since FY2020 it has approved 663 SBA 7(a) loans totaling $1.30B in 37 states.
SBA 7(a) vs. 504 at US Metro Bank
US Metro Bank offers both programs and approves 7(a) loans in-house as a Preferred Lender.
- 7(a): up to $5M for startups, buyouts, real estate and working capital
- 504: the bank lends up to 50% of a property or equipment project
- FY2026 (to June 30): 178 approvals averaging $1.89M; hotels, gas stations and restaurants lead
Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
US Metro Bank rates and fees
US Metro Bank's SBA 7(a) loans carried a median variable rate of 8.25% over the last 12 months. With Prime now 7.00%, the SBA caps loans over $350K at 10.0% and $250,001 to $350K at 11.5%. The SBA guaranty fee is 3% of the guaranteed portion from $150,001 to $700K.
Worked example: $350,000 over 10 years at 8.25% costs $4,292.84 a month, or $165,141.03 in interest. Adding the $7,875 guaranty fee ($350,000 × 75% × 3%) brings total cost to $173,016.03, about 8.8% APR.
US Metro Bank requirements
US Metro Bank follows SBA 7(a) rules on size, equity and guarantees.
| Requirement | US Metro Bank minimum |
|---|---|
| SBA size standard | Most non-manufacturers under $7.5M average receipts |
| Equity injection | 10% for startups and buyouts; 10% to 15% on 504 |
| Personal guarantee | Every owner of 20% or more |
| Credit score / time in business | Lender does not publish |
| Time to close | Lender does not publish; standard 7(a) often 60 to 90 days |
For smaller loans, compare Lendistry or browse all SBA 7(a) loans.
Frequently asked questions about US Metro Bank
Where Is US Metro Bank Located? US Metro Bank's headquarters is at 9866 Garden Grove Blvd. in Garden Grove, California. Its branches include Los Angeles (Wilshire, Downtown and Olympic), Anaheim, Fullerton and Torrance, plus Lynnwood and Tacoma in Washington. Its SBA loans have reached borrowers in 37 states.
How Long Does US Metro Bank Take to Close an SBA Loan? US Metro Bank publishes no timeline; a standard 7(a) loan commonly runs 60 to 90 days. As a Preferred Lender with delegated credit authority, it skips the agency's own sign-off, which typically costs 5 to 10 business days at other banks.
Does US Metro Bank Lend to Startups? Yes. US Metro Bank names new business start-up as an eligible SBA 7(a) use, with terms up to 25 years. SBA rules require startups to inject at least 10% of project cost, and every 20% owner must personally guarantee the loan.
What Is US Metro Bank's Asset Size? US Metro Bank held about $1.64 billion in total assets at June 30, 2026, per FDIC data. Its SBA lending is large for its size: 178 7(a) loans worth $336.7M in FY2026 through June 30, with no charge-offs recorded since FY2020.
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: Buyers of hotels, gas stations, restaurants and other real-estate-heavy businesses needing an SBA loan of $150K to $5M (median $1.48M).
Not for: Borrowers needing under $150K, fast SBA Express money, or no 10% down payment.
Lender List verdict: US Metro Bank approved 245 SBA 7(a) loans worth $475.2M in the 12 months to June 30, 2026, at a median rate of 8.25%. It publishes no rates or lender fees; the figures here come from SBA data.
US Metro Bank at a glance
US Metro Bank makes SBA 7(a) loans up to $5M and SBA 504 loans.
| US Metro Bank | |
|---|---|
| Lender type | FDIC-insured bank (cert 58310); SBA Preferred Lender |
| Founded / HQ | 2006 / Garden Grove, California |
| Amounts | $150K to $5M |
| Cost (headline) | 8.25% median, variable |
| Term | Up to 25 years; median 25 years |
| Status | Active (SBA approval June 26, 2026) |
What is US Metro Bank?
US Metro Bank is a $1.64 billion Garden Grove, California bank, open since 2006, with branches in Southern California and Washington. Since FY2020 it has approved 663 SBA 7(a) loans totaling $1.30B in 37 states.
SBA 7(a) vs. 504 at US Metro Bank
US Metro Bank offers both programs and approves 7(a) loans in-house as a Preferred Lender.
- 7(a): up to $5M for startups, buyouts, real estate and working capital
- 504: the bank lends up to 50% of a property or equipment project
- FY2026 (to June 30): 178 approvals averaging $1.89M; hotels, gas stations and restaurants lead
Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
US Metro Bank rates and fees
US Metro Bank's SBA 7(a) loans carried a median variable rate of 8.25% over the last 12 months. With Prime now 7.00%, the SBA caps loans over $350K at 10.0% and $250,001 to $350K at 11.5%. The SBA guaranty fee is 3% of the guaranteed portion from $150,001 to $700K.
Worked example: $350,000 over 10 years at 8.25% costs $4,292.84 a month, or $165,141.03 in interest. Adding the $7,875 guaranty fee ($350,000 × 75% × 3%) brings total cost to $173,016.03, about 8.8% APR.
US Metro Bank requirements
US Metro Bank follows SBA 7(a) rules on size, equity and guarantees.
| Requirement | US Metro Bank minimum |
|---|---|
| SBA size standard | Most non-manufacturers under $7.5M average receipts |
| Equity injection | 10% for startups and buyouts; 10% to 15% on 504 |
| Personal guarantee | Every owner of 20% or more |
| Credit score / time in business | Lender does not publish |
| Time to close | Lender does not publish; standard 7(a) often 60 to 90 days |
For smaller loans, compare Lendistry or browse all SBA 7(a) loans.
Frequently asked questions about US Metro Bank
Where Is US Metro Bank Located? US Metro Bank's headquarters is at 9866 Garden Grove Blvd. in Garden Grove, California. Its branches include Los Angeles (Wilshire, Downtown and Olympic), Anaheim, Fullerton and Torrance, plus Lynnwood and Tacoma in Washington. Its SBA loans have reached borrowers in 37 states.
How Long Does US Metro Bank Take to Close an SBA Loan? US Metro Bank publishes no timeline; a standard 7(a) loan commonly runs 60 to 90 days. As a Preferred Lender with delegated credit authority, it skips the agency's own sign-off, which typically costs 5 to 10 business days at other banks.
Does US Metro Bank Lend to Startups? Yes. US Metro Bank names new business start-up as an eligible SBA 7(a) use, with terms up to 25 years. SBA rules require startups to inject at least 10% of project cost, and every 20% owner must personally guarantee the loan.
What Is US Metro Bank's Asset Size? US Metro Bank held about $1.64 billion in total assets at June 30, 2026, per FDIC data. Its SBA lending is large for its size: 178 7(a) loans worth $336.7M in FY2026 through June 30, with no charge-offs recorded since FY2020.
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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