Financing Solutions
You work closely with our experienced bankers so we can fully understand your business goals and structure a financing solution that puts you on the direct path to achieve them.
Capital to Grow Your Business
BUSINESS LOANS AND LINES OF CREDIT
Business lines of credit provide the perfect solution for a variety of short-term financing needs, including providing seasonal working capital, purchasing inventory, materials, or equipment, and carrying accounts receivable. Access as much as you need up to your pre-approved credit limit at any time, and enjoy peace of mind knowing that you will not pay interest until you draw on your line of credit. Payments typically are interest-only.
Terms loans are perfect for more permanent business needs, including equipment purchases, tenant improvements, or business acquisition. Term loans provide regular fixed monthly payments of principal and interest, and you can choose from a variety of terms.
COMMERCIAL REAL ESTATE AND CONSTRUCTION LOANS
California Bank of Commerce offers a variety of flexible loan options to finance all of your commercial real estate needs, including multi-family buildings, industrial/warehouse buildings, office buildings, retail buildings, or other real estate. We also offer highly attractive loans for construction or substantial rehabilitation of commercial and residential investment properties.
- Competitive interest rates and closing costs
- Up to 75% loan-to-value (up to 90% loan-to-value with our SBA option)
- Up to 25-year amortizations (may have shorter maturities)
- No prepayment penalties on variable rate loan programs and construction loans
SBA LOANS
The Small Business Administration (SBA) has a program of government-guaranteed loans designed to help small businesses get the funds that they need more easily and provide more flexible terms than conventional loan options. California Bank of Commerce is an SBA Preferred Lender and a leading originator of loans.
SBA loan proceeds can be used for:
- Purchase or refinance of owner/user commercial real estate
- Construction of a new building
- Modernization or renovation of existing facilities
- Purchase of long-term machinery or equipment
- Start-up expenses
- Working capital
- Inventory purchases
- Furniture and fixtures
- Real estate purchases
LETTERS OF CREDIT
To help your business secure the purchase of goods and services or for bonding requirements, your personal experienced banker will help you structure your transaction and provide the appropriate documentation to meet your business needs.
BUSINESS CREDIT CARDS
California Bank of Commerce offers a variety of business credit cards that feature low rates, convenient account access, and rewards programs. No matter which card you choose to fit your business needs, you will enjoy important features such as EMV smart chip technology for added security, convenient mobile purchasing capability and much more!
Each of our business credit cards allows you to separate business expenses, manage cash-flow and track spending.
More choices. More value for your business.
Note: All loans/lines of credit are subject to credit approval. Terms and conditions apply.
