Business, Professional, and Developer Loans
We’re committed to finding the right financing solution for your business and making it happen. Our quick response and ability to “see the deal” separates us from the big banks that can’t offer the flexibility of an independent bank like National Bank of California.
The business banking expertise of our lending officers allows us to quickly tailor financing that’s on target for your specific requirements. Our decisive, responsive approach keeps the growth and success of your business as our main focus.
More Financing Benefits:
- Flexible credit programs
- Quick response to your loan requests
- Financing for short-term, intermediate, or long-term needs
- A full range of financing solutions for working capital, inventory or equipment purchases, commercial / industrial real estate, or other requirements
You’ll find that we can structure loans that others can’t because of our knowledge of government-sponsored programs and contacts within the U.S. Small Business Administration and U.S. Dept. of Agriculture.
Our competitive loan products include:
Business and Professional Loan Services
- Lines of Credit – For acquisition of inventory, to finance accounts receivable, for short-term operating expenses, to take advantage of discounts, and more.
- Term Loans – For financing of equipment or any durable asset.
- Real Estate Loans> – For construction, improvement, purchase, or refinancing of real property.
Developer Loan Services
- Construction Loans – We offer competitive construction loans no matter the size of transaction. Our particular niche is smaller projects that are often overlooked by major banks.
- Bridge Loans – We help developers close a transaction quickly. And when you want to purchase under-performing real estate, your track record is more important to us than the actual property.
- Conventional “Mini-Perm” Financing – You’ll find the flexibility and friendliness that only an independent community bank can offer. And for “special-purpose real estate,” our government programs enable us to quickly fund gas stations, car washes, and movie theaters.
You are more than a business to us. To satisfy your needs for personal loans, we also offer:
- Personal lines of credit and overdraft protection
- Home equity lines of credit
- Auto loans
Click here to ask one of our business banking specialists about Loans tailored for your company and personal needs.