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Central Valley Community Bank loans review

This award-winning, SBA-preferred lender has an entire office dedicated to agriculture.

Bottom line: With dedicated lending teams and flexible hours, this California bank could be a great option for small and midsized businesses looking for a relationship-based lending experience.

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Business term loans, business lines of credit, agriculture loans, SBA loans, USDA B&I loans, business real estate loans, personal loans, auto loans, mortgages, home equity loans

Types of loans available


Online applications


Types of loans availableBusiness term loans, business lines of credit, agriculture loans, SBA loans, USDA B&I loans, business real estate loans, personal loans, auto loans, mortgages, home equity loans
Online applicationsYes
Number of branches24
Branch hours10 a.m. to 4 p.m.
Customer service hours8:30 a.m. to 5:00 p.m. from Monday to Thursday, 8:30 a.m. to 5:30 p.m. on Friday
Customer service optionsPhone, email, online form
Mobile appYes
Routing number121137726

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Central Valley Community Bank is an award-winning bank that offers a wide range of business financing — especially for the agriculture industry. In addition to term loans and lines of credit, you can find financing backed by the Small Business Administration (SBA) and US Department of Agriculture (USDA). And it has a team of lending experts that specialize in agricultural loans.

While this bank’s branches are closed outside of business hours, the commercial lending team is available for appointments after 5 p.m. for SBA loans, real estate loans and agricultural financing. But ask around other business owners about their experiences with this bank — it doesn’t have enough online reviews to make a fair judgment about the customer experience.

What is Central Valley Community Bank?

Central Valley Community Bank (CVCB) is a local bank with 24 branches across the San Joaquin Valley and Greater Sacramento region of California. It's won several awards for its business banking services to the area.

It won Best Business Bank in The Business Journal's Best of Central Valley Awards for six consecutive years. And it scored the CenCal Business Group’s Lender of the Year award for its SBA 504 loan program in 2018.

What types of loans does Central Valley Community Bank offer?

The following types of financing are available at CVCB.

  • Business term loans. CVCB offers a range of term loan programs for both long-term and short-term needs — as well as a term loan program specifically for small businesses.
  • Lines of credit. Access to credit limits as high as $250,000 for financing inventory and accounts receivables, overdraft protection and other working capital expenses.
  • SBA loans. CVCB is an SBA-preferred lender — meaning it can process applications itself rather than waiting on SBA approval. You can find 7(a) loans, 504 loans, Express loans and lines of credit as well as CAPlines through this bank.
  • USDA B&I loans. Businesses located in rural areas can take advantage of this low-cost, government-backed loan program with amounts up to $25 million.
  • Equipment leasing. In addition to offering term loans, you can find leasing programs for office furniture, production machines, storage and other equipment.
  • Business real estate loans. Financing for construction and purchasing or refinancing new facilities or land.
  • Personal loans and lines of credit. Borrow or access a credit line between $500 and $35,000 for personal expenses.
  • Auto loans. Financing and refinancing for new and used cars, light-duty trucks and SUVs, starting at $2,000 with a maximum term of six years.
  • Home equity lines of credit (HELOCs). CVCB offers HELOCs on personal and investment properties, starting at $10,000 with an annual fee.
  • Mortgages. You can find a wide range of home loans and real estate refinancing options through this bank, including FHA and VA loans.

What industries does CVCB specialize in?

CVCB offers several specialized loans for agricultural businesses. This includes crop production financing, crop development loans, agricultural real estate loans and lines of credit, as well as equipment loans. It even has a separate Business Lending Agriculture Department in Fresno. Call 559-323-3493 to set up an appointment with an agriculture loan specialist.

How does borrowing with Central Valley Community Bank work?

CVCB only offers in-person applications for business loans — though you can apply online for personal loans, HELOCs, auto loans and all credit cards. To get a business loan, you have to first meet with a loan officer to go over your business's financials and get an estimate of what type of loan you might qualify for.

Depending on the loan program, this can take several weeks the first time around — or even months if you go for a large, government-backed loan. But as your loan officer gets to know you and your business, they can help you anticipate financing needs so you aren't left lacking capital in the future.

How do I get started?

You can get started by setting up an appointment with a commercial loan officer. For SBA loans, agriculture loans and real estate financing, you reach out to the CVCB business's loan office in Fresno. For other types of financing, set up an appointment at your local branch.

You can find contact information for your branch or business lending office on the locations and hours page on the CVCB website. Enter your address and hit Search to find the location closest to you.


  • SBA-preferred lender with 7(a), 504, CAPLines and Express loans
  • Offers appointments outside of business hours
  • USDA B&I loans available
  • Mobile app


  • Branches and customer service line close Saturdays
  • All business lending offices located in Fresno
  • Few customer and employee reviews

See other business loan options

Compare how CVCB stacks up against online business lenders.

Name Product Filter Values Loan amount APR Requirements

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

National Funding business loans
Finder Rating: 4.75 / 5: ★★★★★

National Funding business loans
$5,000 – $500,000
4% to 8%
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Bitty Advance business cash advances
Finder Rating: 2.8 / 5: ★★★★★

Bitty Advance business cash advances
$2,000 – $25,000
Not applicable
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

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Central Valley Community Bank reviews and complaints

BBB accredited No
BBB rating NR
Yelp 2.5 out of 5 stars, based on 6 customer reviews
Glassdoor 3.7 out of 5 stars, based on 13 customer reviews
Indeed 2.8 out of 5 stars, based on 15 customer reviews
Customer reviews verified as of 19 November 2020

CVCB only gets a few online customer reviews, which are mixed. Some complain that the bank isn't willing to accommodate special requests, like allowing more than two deposits at a time. One reviewer says that the fees are higher than the competition. But consider reaching other members of your business community who have used this bank to get a more accurate picture of what to expect.

What do employees say?

Employees give the bank relatively positive reviews, which is a good sign for potential customers. High employee morale often translates into a higher level of customer service. Low employee turnaround means the chances of you having to switch loan officers during your relationship are also low.

What other products does it offer?

As a CVCB customer, you might also want to consider the following products:

  • Business cash management services
  • Checking and savings accounts
  • IRAs
  • Merchant card processing services
  • Personal CDs and money market accounts
  • Wealth management investment services

Central Valley Community Bank history

CVCB is relatively young compared to most community banks. It opened its doors in 1980 in Clovis, California, with a staff of 12 and $2 million in assets. It's grown to serve 16 communities in central California, partly by acquiring Sierra Vista Bank, Folsom Bank, Visalia Community Bank, Service First Bancorp and Bank of Madera County. But currently, it doesn't appear to have any more acquisitions in the works.

CVCB's expertise in business financing can make this a great choice for small and midsize businesses in the area. Get a gist of how it compares to other options with our guide to the best business loans.

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