Business Loans
Flexible, Local Business Financing
Get the capital you need with personalized attention, sound advice, and quick decisions made locally by a bank that understands your business.
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Customized Financing
We’re proud to offer custom, flexible financing for businesses that may have been turned down elsewhere.
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Local Knowledge
As a community bank, we bring deep insight on local markets, real estate and business financing options.
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Full-service Solutions
Beyond financing, we provide a full suite of business services to support your efficiency and your growth.
Business Loan Options
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Term Loans
Our customizable term loan packages (payable over 12-84 months) can help you purchase equipment or inventory, or cover other business expenses.
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California Loans & Lines
Term loans for business or asset acquisition, as well as lines of credit for short-term working capital, are available through the California State Loan Program.
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Lines of Credit
Use your assets to finance short-term needs or turn Accounts Receivable into cash, while making interest-only payments (at competitive rates) on the amount you use.
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Letters of Credit
Standby letters of credit and commercial letters of credit can be used in a range of circumstances to help your business grow, diversify or meet new challenges.
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Commercial & Industrial Loans
Whether you’re seeking working capital or looking to finance new equipment, we offer customized solutions and personal service based on your specific challenges.
Which SBA Loan Option is Right for Me?
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SBA ADVANTAGE LOAN (7A) |
SBA GROW LOAN (504) |
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Best for ... |
Professionals seeking to establish a medical practice, or entrepreneurs with a feasible business plan and relevant management expertise. |
Those who would invest in commercial real estate if the costs were low enough to maintain liquidity while making payments. |
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Usage |
Startups, working capital, business acquisition, tenant improvement, CRE purchase (including construction). Learn more about the SBA Loan 7a (PDF) |
CRE purchase, purchase of equipment with a useful life of 15 years or greater. For more details, see the SBA 504 loan program explained (PDF) |
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Benefits |
Lower down payment to conserve working capital |
Lower down payment to conserve working capital |
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Interest |
Fixed or variable |
Fixed or Variable |
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Term |
Up to 10 years |
Bank loan up to 25 years |
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Prepayment |
No penalty after three years |
Penalty declines each year; no penalty after 10 years |
Meet Our Business Relationship Managers
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Commercial & Industrial Loans
You can use a CBB real estate loan to buy, invest in, refinance, or build commercial buildings. They can also apply to residential projects with five or more units.
Construction & Land Loans
Need to acquire land for a commercial or residential development project? We provide financing to owners and developers on owner-occupied properties.