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Unlock your business potential with tailored financing solutions

Business Lending

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Business Lending

As a Locally Owned and Managed Community Bank, We Have the Right Financing Options for You

Comprehensive Financing Options

Flexible loans tailored to your business needs
Competitive rates for all loan types
Expert support to guide you through the process
Variety of loan products including lines of credit, term loans, and SBA financing

Build and Expand Your Business

Financing for commercial real estate purchases and refinances
Construction loans for new builds and remodeling projects
Fixed and variable rate options available
Personalized solutions from experienced bankers

Meet Our Team

Janet Hepp

Bakersfield
Market Manager
661.469.3560

Mark Smith

Clovis
Market Manager
559.323.3481

Victor Fakrogha

Oxnard
Market Manager
805.690.3240

Steve Romeo

Roseville
Market Manager
916.859.2556

Eric Yun

San Luis Obispo
Market Manager
805.597.4157

Stefani Woods

Visalia
Market Manager
559.268.6872

Kevin Phan

Sacramento
Market Manager
916.802.8719

Business Loans

Features	Lines of Credit	Business Term Loans	SBA Loans	Real Estate Loans	Agricultural Loans
Typical Uses	Short-term working capital Business expansion Overdraft protection Finance receivables Finance inventory Loan or line of credit	Business expansion Acquisitions Equipment purchases Long-term working capital	Working capital Business expansion Business purchase Debt refinance Equipment purchases Real estate	Construction Acquire new facilities Business expansion Refinance	Production financing Equipment loans Real Estate loans Livestock financing Inventory and AR Crop production financing Agriculture real estate financing
Loan Amounts	$250,000 and up	$250,000 and up	$15,000 and up	$400,000 and up	$250,000 and up
Terms Available	Annual renewal	Various options	Real estate up to 25 years Equipment up to 10 years Working capital up to 7 years	Up to 25 years amortization	Crop lines reviewed annually Real estate up to 25 years
Interest Terms	Variable rates	Fixed and variable rates	Fixed and variable rates	Fixed and variable rates	Fixed and variable rates
Monthly Payment	Interest only	Principal and interest only	Principal and interest only	Principal and interest only	Monthly up to annual
Account Access	Transfer funds through business online banking on certain eligible accounts Make payments through Business Online Banking	Single disbursement at loan closing Make payments through Business Online Banking	Single and multiple disbursements Make payments through Business Online Banking	Single and multiple disbursements	Single and multiple disbursements
Collateral	Unsecured or secured	Unsecured or secured	Secured	Real estate	Unsecured or secured
Additional Information	Local relationship officer	Local relationship officer	SBA preferred lender Term loans and lines of credit Other governmental loan programs	Local relationship officer	Local relationship officer Federal and state guarantees For agriculture equipment loans, see a representative for more details

Business Loans

Features	Typical Uses	Loan Amounts	Terms Available	Interest Terms	Monthly Payment	Account Access	Collateral	Additional Information
Lines of Credit	Short-term working capital Business expansion Overdraft protection Finance receivables Finance inventory Loan or line of credit	$250,000 and up	Annual renewal	Variable rates	Interest only	Transfer funds through business online banking on certain eligible accounts Make payments through Business Online Banking	Unsecured or secured	Local relationship officer
Business Term Loans	Business expansion Acquisitions Equipment purchases Long-term working capital	$250,000 and up	Various options	Fixed and variable rates	Principal and interest only	Single disbursement at loan closing Make payments through Business Online Banking	Unsecured or secured	Local relationship officer
SBA Loans	Working capital Business expansion Business purchase Debt refinance Equipment purchases Real estate	$15,000 and up	Real estate up to 25 years Equipment up to 10 years Working capital up to 7 years	Fixed and variable rates	Principal and interest only	Single and multiple disbursements Make payments through Business Online Banking	Secured	SBA preferred lender Term loans and lines of credit Other governmental loan programs
Real Estate Loans	Construction Acquire new facilities Business expansion Refinance	$400,000 and up	Up to 25 years amortization	Fixed and variable rates	Principal and interest only	Single and multiple disbursements	Real estate	Local relationship officer
Agricultural Loans	Production financing Equipment loans Real Estate loans Livestock financing Inventory and AR Crop production financing Agriculture real estate financing	$250,000 and up	Crop lines reviewed annually Real estate up to 25 years	Fixed and variable rates	Monthly up to annual	Single and multiple disbursements	Unsecured or secured	Local relationship officer Federal and state guarantees For agriculture equipment loans, see a representative for more details