United Pacific Bank

United Pacific Bank is a California-chartered community bank headquartered in Monterey Park, California, founded in 1982 and regulated by the DFPI. It holds SBA Preferred Lender Program (PLP) status, which allows it to process SBA loan approvals in-house — a meaningful advantage for eligible small businesses. The bank serves California-based businesses with a range of commercial products including lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance, along with a notable specialty in truck financing. On the deposit side it offers business accounts, cash management, and payment processing. Bauer Financial has rated United Pacific Bank 5-Star Superior, signaling solid financial health. The bank appears well suited for California small businesses — particularly those in trucking or owner-operated industries — that want a relationship-oriented community bank with SBA lending capability.