Business DELTA 40 Lending Program

Delta Bank, National Association is celebrating 40 years of continuous service to our communities.  As part of that celebration, we are pleased to announce the creation of our new BUSINESS DELTA 40 LENDING PROGRAM (SBA) to assist you with the expansion, refinance, or acquisition needs for your business.

Delta Bank is a locally owned Community Bank headquartered in Manteca, with four branches located in the Central Valley.  We are proud to be part of the community, and we pride ourselves on serving the local business needs of our communities, helping businesses to be able to better serve them.

With the BUSINESS DELTA 40 LENDING PROGRAM (SBA), Delta Bank is able to provide qualified business owners with up to 100% financing* to:

  • Purchase of Land and Building for Owner/User (up to 90%)
  • Purchase of Machinery and Equipment
  • Business Expansion or Acquisition
  • Tenants/Leasehold Improvements
  • Refinance high interest or short term debts/balloon payments

Why should you choose Delta Bank to help you with your business needs?

  • We offering some of the most competitive rates and terms in our market area
  • Decisions are made locally, and not by some out-of-town out-of-touch person
  • We treat our customers like family, because they are
  • Simple interest
  • Fixed or variable rates available
  • Local Credit Approvals
  • No Balloon Payments
  • Loans may be assumable (SBA)
  • Up to 25 year terms, fully amortized
  • Five day response time from a Bank Officer

We know that you are busy, and do not have time to just waste.  So to expedite your loan request, Delta Bank provides a pre-qualification “Success Process”.  This service is free of charge, and is completed within two working days, based upon submission of business financial statements and a current personal financial statement.

Our commitment is to provide you with capital for business growth. Give us a call, or drop a message to one of our specialist who will be happy to discuss your needs.


Michael Burns
Vice President
SBA Lending – Stanislaus and Merced Counties
209-824-4008 W
209-572-4485 C
(Click here to contact me)
Tony Montalbo
Vice President
SBA Lending – San Joaquin County & Tri-Valley Areas
209-824-4009 W
209-601-8256 C
(Click here to contact me)


*Limited to businesses which have been in operations for two years or more.  All applicants are subject to credit approval.