BUSINESS BANKING

Business Lending

Lending solutions for businesses and organizations.

Business lending options

Happen Bank offers a variety of flexible lending options and will work with your organization to customize the solution that is right for you.

Fast, flexible small business loans

Our partnership program with nonprofit Accion Opportunity Fund connects you to affordable small business loans from $5,000 - $250,000 with transparent terms and personalized service.¹

Small Business Administration (SBA)

Happen Bank is a nationwide SBA Preferred Lender offering small business clients SBA 7(a) and 504 loan products starting at $400,000.

Questions?

Customer support is here to help. Chat with us online or reach us by phone or email. 

Deposit Products & Services

Deposit Accounts

Our business suite is comprised of a variety of packages, each of which includes a convenient checking account.

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Online Banking

Manage your accounts anytime with unlimited access – 24 hours a day, 7 days a week. Use any device with our mobile app.

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Cash Management

Our comprehensive services will save your organization time and money, simplify collections, and optimize cash flow.

Security

Keeping your financial info private and secure is our priority.

FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.

Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.

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88 Kearny Street, Suite 600
San Francisco, CA 94108

¹Loans made by Accion Opportunity Fund Community Development (AOFCD) California Finance Lenders License #6050609. AOFCD is not affiliated with Happen Bank. Happen Bank is not responsible for and makes no representations with respect to AOFCD’s privacy practices or any products and services offered by AOFCD. Any offers displayed or made to you are offered by AOFCD, from whom Happen Bank receives compensation for referrals. Loans may also be referred to a licensed AOFCD partner lender. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a prepayment penalty.

For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.  
“Happen” and the “H” symbol are trademarks of Happen Bank.

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