Financing a engineering services acquisition in California

State:

The SBA 7(a) lenders funding the most engineering services acquisitions in California, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance engineering services in California

$606K

Typical loan

range $205K–$1.41M

$673K

Est. purchase price

≈ loan ÷ 90%

$89,985

Cash to close

$67,278 down + fees

$7,835/mo

Typical payment

~9.5% · 10yr

$108,123/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

35 days

Typical time to fund

Lenders competing

more = leverage

7.61%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in engineering services · California

Ranked by funded engineering services acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.13 loans · $5M · Santa Barbara, CAFull record →
2.18 loans · $4M · Oakland, CAFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.129 loans · $234M · New York, NYFull record →

27+ funded Engineering Services in California deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Advantage Technical Services, Inc. in Atascadero, CA — $515K (2026) · purchase · American Riviera Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$386K (75%)
Approval → funding
43 days
Approved
11/18/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$572K
Est. down payment (10%)
$57K
Est. cash at closing
$77K
Monthly payment
$6,524
Annual debt service
$78K
Cash flow needed (1.25×)
$98K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Riviera Bank · Lender record →
Your business? Claim this record · Request removal
SB&O, Inc. in San Diego, CA — $4.9M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (75%)
Approval → funding
45 days
Approved
1/6/2025
First disbursed
2/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
38
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$547K
Est. cash at closing
$757K
Monthly payment
$61,063
Annual debt service
$733K
Cash flow needed (1.25×)
$916K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
MESA3, Inc. in San Jose, CA — $2.1M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
41 days
Approved
5/8/2025
First disbursed
6/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$321K
Monthly payment
$27,462
Annual debt service
$330K
Cash flow needed (1.25×)
$412K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
AE Group Mechanical Engineers, Inc in Ventura, CA — $880K (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approval → funding
14 days
Approved
11/1/2024
First disbursed
11/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,874
Annual debt service
$142K
Cash flow needed (1.25×)
$178K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
FBA ENGINEERING in Costa Mesa, CA — $575K (2025) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
11 days
Approved
3/21/2025
First disbursed
4/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$638K
Est. down payment (10%)
$64K
Est. cash at closing
$85K
Monthly payment
$7,123
Annual debt service
$85K
Cash flow needed (1.25×)
$107K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
MESA3, Inc. in San Jose, CA — $150K (2025) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
42 days
Approved
5/7/2025
First disbursed
6/18/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,003
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Architect Mark D. Lyon, Inc. in La Jolla, CA — $150K (2025) · purchase · Mortgage Capital Development Corporation
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
3/6/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,003
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Mortgage Capital Development Corporation · Lender record →
Your business? Claim this record · Request removal
FBA ENGINEERING in Costa Mesa, CA — $120K (2025) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$60K (50%)
Approval → funding
76 days
Approved
3/21/2025
First disbursed
6/5/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$133K
Est. down payment (10%)
$13K
Est. cash at closing
$17K
Monthly payment
$1,488
Annual debt service
$18K
Cash flow needed (1.25×)
$22K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Murray Engineers, Inc. in Los Altos, CA — $1.0M (2024) · purchase · Redwood CU
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
62 days
Approved
7/30/2024
First disbursed
9/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$13,634
Annual debt service
$164K
Cash flow needed (1.25×)
$205K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Redwood CU · Lender record →
Your business? Claim this record · Request removal
TJT COMMUNICATIONS INC in Carlsbad, CA — $606K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$454K (75%)
Approval → funding
15 days
Approved
6/13/2024
First disbursed
6/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$673K
Est. down payment (10%)
$67K
Est. cash at closing
$90K
Monthly payment
$8,341
Annual debt service
$100K
Cash flow needed (1.25×)
$125K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TJT COMMUNICATIONS INC in Carlsbad, CA — $150K (2024) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
32 days
Approved
6/13/2024
First disbursed
7/15/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,066
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Art of Design Inc. in Van Nuys, CA — $150K (2023) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
13 days
Approved
10/6/2022
First disbursed
10/19/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,900
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
ALPERS ENGINEERING GROUP, LLC in San Diego, CA — $391K (2022) · purchase · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
121 months
SBA guaranteed
$293K (75%)
Approval → funding
57 days
Approved
5/31/2022
First disbursed
7/27/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$435K
Est. down payment (10%)
$43K
Est. cash at closing
$58K
Monthly payment
$4,267
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Peoples Associates Structural Engineers, Inc. in San Jose, CA — $5.0M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
37 days
Approved
9/15/2021
First disbursed
10/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
69
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$51,819
Annual debt service
$622K
Cash flow needed (1.25×)
$777K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
4 S.T.E.L. ENGINEERING, INC. in Mission Viejo, CA — $4.3M (2021) · purchase · IncredibleBank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.5M (81%)
Approval → funding
15 days
Approved
2/11/2021
First disbursed
2/26/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$474K
Est. cash at closing
$656K
Monthly payment
$46,871
Annual debt service
$562K
Cash flow needed (1.25×)
$703K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by IncredibleBank · Lender record →
Your business? Claim this record · Request removal
CPM Partners, Inc. in Encinitas, CA — $3.2M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
144 mo (12 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
13 days
Approved
12/18/2020
First disbursed
12/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$359K
Est. cash at closing
$496K
Monthly payment
$30,738
Annual debt service
$369K
Cash flow needed (1.25×)
$461K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
TRI-TECH SERVICES CORPORATION in Garden Grove, CA — $600K (2021) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
78 months
SBA guaranteed
$540K (90%)
Approval → funding
61 days
Approved
12/23/2020
First disbursed
2/22/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$9,309
Annual debt service
$112K
Cash flow needed (1.25×)
$140K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
CPM Partners, Inc. in Encinitas, CA — $500K (2021) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
13 days
Approved
12/18/2020
First disbursed
12/31/2020
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,551
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
NATRON RESOURCES, INC. in Moraga, CA — $472K (2021) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$425K (90%)
Approval → funding
35 days
Approved
8/26/2021
First disbursed
9/30/2021
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$524K
Est. down payment (10%)
$52K
Est. cash at closing
$70K
Monthly payment
$4,949
Annual debt service
$59K
Cash flow needed (1.25×)
$74K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
AVEN AERO, INC. in Long Beach, CA — $4.3M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.2M (74%)
Approved
9/11/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$4.8M
Est. down payment (10%)
$483K
Est. cash at closing
$668K
Monthly payment
$48,294
Annual debt service
$580K
Cash flow needed (1.25×)
$724K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Financing a engineering services deal in California? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to engineering services businesses with a California project address.

Agent summary

How to finance a engineering services acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. American Riviera Bank funds the most here. CapBench is not a lender.

$715K typical loan
15 lenders active in California
27+ funded California deals
35 days typical to fund

Buyers buying a engineering services in California typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All engineering services lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/engineering-services/california
API:: https://www.capbench.com/api/public/lenders?industry=engineering-services
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.