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Cathay Bank logo

Cathay Bank

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Bank for business acquisition loans and commercial real estate loansLos Angeles, CaliforniaBased in California; service area not yet provided
BBLL 000786Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Cathay Bank’s SBA programs distinguish flexible operating and acquisition financing from property and equipment projects. Its 504 page clearly separates the bank loan’s maturity from the longer amortization.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Business acquisition loansCommercial real estate loansEquipment financingWorking capital loans
From the lender's own site and public records.

A second look at Cathay Bank

Cathay Bank’s SBA programs distinguish flexible operating and acquisition financing from property and equipment projects. Its 504 page clearly separates the bank loan’s maturity from the longer amortization.

Direct bank lender; 504 transactions also involve a Certified Development Company.

Published by Levr, not by Cathay Bank. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

SBA 7(a)

Limit
Up to $5 million.
Published maturities
Working capital five to ten years; acquisitions ten years; commercial real property up to 25 years.
Uses
Equipment, inventory, leasehold improvements, acquisitions, property and eligible debt refinancing.

Provider sources: Cathay 7(a)

SBA 504

Standard structure
The bank describes 50% bank financing, 40% SBA-backed financing and 10% borrower equity; project-specific requirements can differ.
Bank component
Up to 25-year amortization with a ten-year maturity; fixed or variable pricing.
SBA component
The page describes fixed-rate financing with up to 25-year maturity and amortization.

Provider sources: Cathay 504

When it may fit

Our assessment of the published programs

  • Businesses comparing acquisition working capital with an owner-occupied property or major-equipment project.

What to weigh carefully

  • A ten-year bank maturity can leave a balance due even when payments use a 25-year schedule.
  • The overview’s microloan explanation does not establish that Cathay directly originates SBA microloans.

Questions before you accept an offer

  1. How much equity does my specific 504 project require?
  2. What balance remains at the bank loan maturity?
  3. What guarantee, packaging and early-payoff fees apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

East West Bank

Compare East West Bank’s SBA lending.

Banc of California

Compare Banc of California’s acquisition and property financing.

The lender

Type
Bank
Legal name
Cathay Bank
Founded
1962
Charter
Not yet provided Add it
Headquarters
Los Angeles, California
Service area
Based in California; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
SBA 504
Also lends to consumers
Not yet provided Add it
Website
cathaybank.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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