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View detailsThe Irvine bank that punches above its weight
Pacific Premier Bank operates from Irvine, California — Orange County's dense concentration of corporate headquarters, tech companies, and financial services firms. With roughly $20 billion in assets, Pacific Premier isn't the largest bank in Southern California, but it has carved out an outsized role in business lending, particularly through the SBA's loan programs. The bank consistently ranks among the top SBA lenders in its market, originating hundreds of SBA 7(a) and 504 loans annually, with a dedicated team that walks borrowers through the paperwork-heavy application process rather than routing them through automated portals.
Routing number
Pacific Premier Bank's routing number is 122242869. The 122 prefix identifies the bank as processed through the Federal Reserve Bank of San Francisco's Los Angeles branch. This applies to ACH transfers, direct deposit, bill payments, and domestic wire transfers. Verify through the Pacific Premier online banking portal or mobile app. Former customers of any Pacific Premier acquisition should confirm their routing number has been updated — legacy routing numbers from acquired banks are eventually deactivated.
Growth through acquisition
Southern California is one of the most competitive banking markets in the country. Pacific Premier grew into a mid-size player through steady acquisitions between 2014 and 2021 — Plaza Commerce Bank, Independence Holdings, Security California Bancorp, Grandpoint Capital, Opus Bank, and others. The Opus acquisition in 2020 was the most significant, nearly doubling Pacific Premier's asset base and adding Opus's specialty in multifamily and commercial real estate lending. The combined institution emerged as one of the most diversified community banks in California, with lending verticals spanning SBA, CRE, C&I, and franchise finance.
Franchise lending
Beyond SBA, Pacific Premier has built notable expertise in franchise finance — lending to franchisees opening or expanding locations for restaurant chains, fitness studios, retail concepts, and service businesses. Franchise underwriting requires evaluating not just the borrower but the franchisor's system, unit economics, territory demographics, and franchise agreement terms. Pacific Premier's franchise lending team handles that complexity efficiently enough to become a preferred lender for several national franchise systems operating in the western US.
Operational finance tools for growing businesses
Pacific Premier excels at getting capital into the hands of small businesses. But once that capital is deployed, managing the resulting spend, payroll, and vendor payments requires tooling most community banks weren't built to provide. Slash closes that gap — corporate cards, automated expense management, and financial dashboards that give business owners real-time visibility into operations. For SBA borrowers and franchise operators managing multiple cost centers, Slash provides the financial control layer that turns a well-structured loan into a well-run business.
