Small Business Administration (SBA) Lending

Your Future Starts Here

As a Preferred SBA Lender, we have access to government-backed loan programs to support your business.
Our SBA loan specialists will help identify a program that fits your organization.

City National is a Preferred SBA Lender

Our SBA loan specialists can help you meet your unique financial goals with the loan programs below.³

Why City National?

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City National Bank, its affiliates and subsidiaries, as a matter of policy, does not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretations. You should consult with your other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances.

1. City National’s Small Business Administration (SBA) 7(a) loan introductory rate offer and lender credit of up to $2,500 for eligible third-party fees is available for (i) purchase or refinance of an owner-occupied commercial real estate; (ii) business acquisition; or (iii) partner buyout, with a minimum loan amount of $250,000 up to maximum loan amount of $5 million dollars (USD). Subject to the above, the introductory rate is a fixed rate of 5.49% for the first six (6) months following full disbursement of loan proceeds of the 7(a) loan. Thereafter, the 7(a) loan will have a fully fixed interest rate for the remaining term, which will be determined at loan approval and will be higher than the introductory rate. Borrower will pay for all third-party fees up front with lender credit of up to $2,500 applied at loan closing for appraisals, environmental reports and 7(a) loan packaging fees only with no cash back. See Terms of Offer below.

2. Terms of Offer: This offer is effective starting August 5, 2024, and available through November 29, 2024. This offer is limited to the business organization only and is not transferable. This offer is not available to SBA guaranteed lines of credit, asset-based or similar lines of credit, or any renewals, extensions, modifications or refinancing of any existing lines of credit. For SBA loan products, SBA eligibility is also required. The offer is subject to credit approval and documentation acceptable to City National Bank. To be eligible for this offer, (1) applicants must submit a complete loan application on City National’s form along with all supporting financial statements including but not limited to business tax returns, business debt schedule, personal tax returns and personal financial statements from all 20% or more owners of the business no later than November 29, 2024, and (2) if a loan under the SBA 7(a) Loan Program is approved, then (a) loan closing must occur on or before June 30, 2025, and (b)  a City National Bank Business Checking Account, which is subject to terms, conditions, minimum balance requirements and other applicable fees, must be opened before 7(a) loan closing. Applicants must open and maintain a City National Bank Business Checking Account with automatic payment before closing of the 7(a) loan. Approved SBA 7(a) loan funds will be disbursed solely to a City National Bank Business Checking Account. Additional terms, conditions and fees apply. Ask us for details.

3. City National Bank or CNBs Small Business Administration (SBA) Lending Programs are subject to credit and collateral approval. A due diligence fee may be required upon approval, and other fees and other restrictions may apply. For SBA loan products, SBA eligibility is also required. Terms and conditions subject to change.