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Mechanics Bank

WALNUT CREEK, CA 94596

⭐ SBA Preferred Lender
42
Loans Approved
$36.1M
Total Volume
$858K
Avg Loan Size
4
States Served

States Served

CaliforniaHawaiiOregonWashington

Top Industries Financed

  • Residential Remodelers
  • Couriers
  • Breweries
  • General Automotive Repair
  • Offices of Physicians, Mental Health Specialists

Quick Summary

Mechanics Bank is an SBA-approved lender headquartered in WALNUT CREEK, California. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 42 SBA 7(a) loans totaling $36.1M, with an average loan size of $858K. They serve businesses across 4 states.

About Mechanics Bank

Mechanics Bank is an SBA-approved lender headquartered in WALNUT CREEK, California. Since 2020, they have approved 42 SBA 7(a) loans totaling $36.1M, with an average loan size of $858K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 4 states.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is Mechanics Bank an SBA Preferred Lender?

Yes, Mechanics Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.

How many SBA loans has Mechanics Bank approved?

According to SBA FOIA public records, Mechanics Bank has approved 42 SBA 7(a) loans totaling $36.1M since 2020. Their average loan size is $858K.

What states does Mechanics Bank serve?

Mechanics Bank serves businesses in 4 states: California, Hawaii, Oregon, Washington.

How do I apply for an SBA loan with Mechanics Bank?

To apply for an SBA 7(a) loan with Mechanics Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.

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