Redwood Capital Bank

Redwood Capital Bank is a community commercial bank headquartered in Humboldt County, California, serving businesses primarily in that region. As an SBA Preferred Lender, it can process certain SBA loans in-house — typically meaning faster turnaround than non-preferred lenders. Its commercial lending lineup covers lines of credit, term loans, commercial real estate financing, construction finance, and equipment financing, making it a practical option for small and mid-sized businesses with conventional borrowing needs. Community bank underwriting tends to be relationship-driven rather than purely algorithmic, which can work in favor of established local businesses. Rates and minimum qualifications aren't publicly listed, so you'll need to reach out directly.