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A healthy business needs the right financing to grow whether it's a revolving line to take advantage of purchasing discounts, a term loan to purchase equipment, or asset based financing to fund next season’s production. And, because we serve the middle market, you can expect fast no-nonsense decisions.
Business Lines of Credit provide your business with a source of ready cash for short-term needs. Only for the credit you use for as long as you use it. As a revolving line of credit, you can access it to manage cash flow, finance receivables, make seasonal purchases, meet sub-limits for letters of credit, and take advantage of trade discounts. Benefits include quick access to cash; interest only assessed on the credit you use with no interest due on unused funds; flexible, dependable source of financing; and the line may be renewed annually upon credit approval.
Business Loans are ideal for long-term financing such as expansion, remodeling, purchasing new equipment, or as a source of working capital. You pay the loan in fixed monthly payments over a term of up to 5 years. Take care of daily operating expenses, expand your business, acquire a business, or complete a merger and restructure your balance sheet with this steady stream of capital. Benefits include fixed monthly payments for easier budgeting, flexibility to plan your cash flow, and choice of interest rate structures.
Our Commercial Real Estate Loan Department has nearly 40 years of experience providing commercial real estate loans to the California marketplace. Since we rely on our own underwriting standards, we have the flexibility to offer a credit structure that fits your project. Decisions are made locally and every credit is tailored to your individual needs. Your commercial real estate account officer stays with you every step of the way through loan application, documentation, processing and underwriting, so you always know the status of your loan.
We offer a variety of interest rate options, variable rates tied to Prime Rate, LIBOR financing fixed every 6 or 12 months, or fixed rates tied to the Treasury Rate.
When your business needs financing for longer than is available through a conventional commercial loan program or the flexibility to invest a smaller down payment to purchase owner-occupied commercial real estate, look to our SBA Loan programs. SBA Loans offer flexible terms and competitive rates – plus as they are partially guaranteed by the U.S. Small Business Administration, loan terms can often be longer, making it easier for your business to qualify.
To qualify for SBA financing, the following criteria apply:
The SBA 7(a) loan program provides financing for the purchase of major business assets:
The 7(a) program offers flexible options to:
The SBA 504 loan program also provides financing for the purchase of major business assets:
Asset Based Lending is an ideal source of working capital financing for companies experiencing rapid sales growth that outpace cash flow. The revolving line of credit is based on the determined value of the borrower’s Current Assets, primarily Accounts Receivable, which may also include Inventory. Through specialized monitoring of credit and collateral, we can underwrite loans with more flexibility to pursue your company’s short- and long-term business goals. All loans are subject to credit approval.
View account information and send loan payment requests and advances for same-day processing online. Simplify your reporting process by sending supporting ABL documentation to the bank electronically, saving you time and money.
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