Enjoy Tailored Solutions From a Local Bank You Can Trust
Welcome to Home Bank of California, your trusted partner for all business financing needs in the San Diego area. We specialize in empowering local businesses with a variety of financing options tailored to your unique needs. Whether you’re looking for a commercial loan to expand your operations, or a startup loan to launch your new business, we have the resources and expertise to guide you in every step of your financial journey.
Get the Capital Your Business Needs to Thrive
Our comprehensive suite of financial solutions includes term loans, lines of credit, and equipment financing designed to provide your business with the capital it needs to thrive. Venturing into real estate? Our seasoned team can assist you with commercial real estate financing to secure that prime property. Additionally, as an approved Small Business Administration (SBA) lender, we are dedicated to supporting the growth of small businesses through flexible SBA lending options.
Local Loan Decisions That Work For You
At Home Bank of California, we don’t just approve loans – we build relationships. Our lending decisions are made locally by experienced professionals who understand the nuances of the San Diego business landscape. As a family-owned bank, we have the freedom to approve loan structures that traditional banks may overlook. Trust us to be your ally in achieving your business objectives and shaping the future of your enterprise.
Business Loans
Need a new piece of equipment or want to expand your business? We can structure a business loan to meet your needs.
Term Loans | Business Equity Loans | Commercial Real Estate Loans |
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Secured Term LoansOverview
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Business Equity LoansOverview
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Commercial Real Estate LoansOverview
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Business Lines of Credit
Manage seasonal cash flow, receivables and inventory, or take advantage of new business opportunities with a business line of credit from Home Bank of California. A business line of credit gives you access to revolving credit, allowing you to borrow funds as needed while just paying interest on the amount borrowed.
- Variable interest rate based on Prime Rate
- Easy access to funds
- Discounted rate with auto-pay
- Competitive pricing
- Low annual fee
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Business Equipment Advanced Approval Line
Anticipate buying several pieces of equipment over the next year? There’s no need to apply for a loan each time you’re ready to make a purchase.
Get a commitment from us for your loan needs throughout the year. When you’re ready to buy, call us, make the required down payment and we will structure a standard equipment loan to get you the money you need for the purchase.
You can do this several times until the loan matures or the pre-approved loan amount is reached.
SBA Loans
Our SBA lending financing options offer attractive, long-term financing for owner-occupied commercial real estate for a variety of projects. This program is part of SBA’s mission to promote the development of businesses which complements the Home Bank of California vision.
Visit our SBA Loans page for more details
Commercial Real Estate Loans
Home Bank of California has built a reputation in San Diego County for offering highly competitive rates on commercial real estate loans. We have been doing this since 1981. We are the go to bank for many business owners and receive referrals from banks, credit unions, and brokers looking to support their customer’s needs.
Our specialty is commercial real estate requests with unique situations other institutions shy away from but we also excel in standard commercial property financing.
If you have a Commercial Real Estate financing need, come to us.
Get in touch with a Home Bank of California commercial real estate banker
The State of California Loan Guarantee Program
A loan guarantee program designed to assist small businesses that experience capital access barriers, the State of California Loan Guarantee Program helps businesses create and retain jobs, and encourages investment in low- to moderate-income communities. The Program is available to small businesses throughout the state of California.
Visit our State of California Loan Guarantee Program page for more details
Veterans Program
We’re proud to offer Active Military & Veteran Business Banking and Loan options.
You served our country, now let us serve you!