Pacific Enterprise Bank
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Business Loans

Here at Pacific Enterprise Bank, we are one of the selected institutions that is able to provide customers access to the California Capital Access Program (CalCAP Business Loan).  We offer this type of loan to qualified small business borrowers as a quick and simple alternative to an SBA program loan.  This loan allows small and medium size businesses that would not typically meet the standards of conventional bank underwriting to obtain financing.


  • Loan amounts up to $2.5 million
  • Up to 25 year amortization
  • Term up to 10 years long
  • Can have fixed or variable rates
  • Can be secured or unsecured
  • Can bear any type of amortization schedule

Ineligible Uses

  • Luxury facilities such as a golf course or country club, a race track, a gambling facility, or any facility involved in the sale of alcoholic beverages consumed off site


  • Equipment purchases
  • Equipment refinancing
  • Commercial Real Estate Purchases
  • Commercial Real Estate Refinancing
  • Construction and/or improvements
  • Lines of credit
  • Debt consolidations


  • Eligible Small Businesses: Your business must be one of the industries listed in the qualified Standard Industry Classification (SIC) or the North American Industry Classification System (NAICS).  At least 51% of your employees or business income, sales or payroll must be in California.  Your business must be classified as a small business under U.S. Small Business Administration guidelines (Title 12 of the Code of Federal Regulations) and have less than 500 employees.
  • This Program is sponsored by the California Treasurer’s Office.  You can contact a Pacific Enterprise Bank representative or visit for more information.

For Inquiries:
Tobias Halbmaier

Phone: (949) 623-7585

Equal Housing LenderFDIC