Heritage Bank of Commerce
SAN JOSE, CA 95110
⭐ SBA Preferred LenderStates Served
Top Industries Financed
- Full-Service Restaurants
- Fitness and Recreational Sports Centers
- Offices of Lawyers
- Poured Concrete Foundation and Structure Contractors
- Child Day Care Services
Quick Summary
Heritage Bank of Commerce is an SBA-approved lender headquartered in SAN JOSE, California. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 104 SBA 7(a) loans totaling $79.1M, with an average loan size of $761K. They serve businesses across 2 states.
About Heritage Bank of Commerce
Heritage Bank of Commerce is an SBA-approved lender headquartered in SAN JOSE, California. Since 2020, they have approved 104 SBA 7(a) loans totaling $79.1M, with an average loan size of $761K. 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 2 states.
Before you apply — know where you stand
Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
Helpful SBA Borrower Guides
Frequently Asked Questions
Is Heritage Bank of Commerce an SBA Preferred Lender?
Yes, Heritage Bank of Commerce 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 Heritage Bank of Commerce approved?
According to SBA FOIA public records, Heritage Bank of Commerce has approved 104 SBA 7(a) loans totaling $79.1M since 2020. Their average loan size is $761K.
What states does Heritage Bank of Commerce serve?
Heritage Bank of Commerce serves businesses in 2 states: California, Nevada.
How do I apply for an SBA loan with Heritage Bank of Commerce?
To apply for an SBA 7(a) loan with Heritage Bank of Commerce, 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+.
Get in Touch with This Lender
Contact Heritage Bank of Commerce
Ready to Apply for an SBA Loan?
Check if you qualify in minutes — no impact to your credit score.
SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days