Bank of San Francisco

Bank of San Francisco is an independent community bank headquartered in San Francisco, CA, founded in 2005 and focused on relationship-based lending across the San Francisco Bay Area. It emphasizes personalized guidance and customized loan structures rather than one-size-fits-all products. For small-business borrowers, the bank offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Minimum qualification thresholds — credit score, revenue, and time in business — are not publicly disclosed, so prospective borrowers will likely need to speak directly with a banker to gauge fit. A website testimonial from the co-founders of b. Patisserie highlights the bank's hands-on, relationship-driven approach, which appears well suited for established Bay Area businesses that prefer direct access to a local decision-maker over the speed of an online lender.