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Small Business Loans

Find the loan to help you take your business to the next level

Royal Business Bank is a Los Angeles headquartered community bank, specializing in small business loans and banking services to the small business community through its lending offices and branch network in the states of California, Nevada, Illinois, New York, New Jersey and Hawaii.

Currently we offer revolving lines of credit and terms loans to help finance small business needs. Loans may be used to finance working capital, equipment or inventory purchase, office remodeling, expansion of business or acquisition of another business. Our business loans brought to you under an expedited underwriting process feature low interest rates and convenient repayment terms.

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  • Loan amount
    • Unsecured - $15,000 to $100,000 or 10% of Gross Annual Sales whichever is lower
    • Secured by real estate – Up to $500,000 or 25% of Gross Annual Sales whichever is lower
  • Rates as low as Prime Rate plus 1.00%
  • Loan Terms:
    • Revolving line of credit for 1 year with renewal annually on satisfactory credit
    • Term loans of 12 to 60 month fully amortized
  • Loan processing and documentation fee:
    • 1.5% of loan amount, minimum $250 all-in
  • Qualifications:
    • Minimum $100,000 in prior year annual gross sales
    • 2 years in business under existing ownership
    • Subject to minimum credit score 680 and credit review

For a Small Business Loan online, please provide the following documents to expedite the application process.

  • Business License
  • Fictitious Name Statement/DBA, if any
  • Corporate Documents:
    • Corporation - Article of Incorporation + By-Law + Statement of Information, OR
    • Limited Liability Company - Article of Organization + Operating Agreement + Statement of Incorporation, OR
    • Partnership - Executed Partnership Agreement + Certificate of Limited Partnership
  • Business Insurance Certificate (Business Personal Property & General Liability)
  • Most recent 2 year Business Tax Returns
  • Most recent 2 year Personal Tax Returns (all guarantors)
  • Personal Financial Statement (all guarantors)
  • Government issued identification document (all guarantors)