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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

Business Loans

Features	Lines of Credit	Business Term Loans	SBA Loans	Real Estate Loans	Agricultural Loans
General Purpose	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 accounts receivable 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	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	Principal and Interest Interest Only	Principal and Interest	Monthly up to annual
Access	Transfer funds through Business Online Banking on certain eligible accounts View and make payments through Business Online Banking	Single disbursement at loan closing View and make payments through Business Online Banking	Single and multiple disbursements View and 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
	Inquire Here	Inquire Here	Inquire Here	Inquire Here	Inquire Here

Business Loans

Features	General Purpose	Loan Amounts	Terms Available	Interest Terms	Monthly Payment	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 View and make payments through Business Online Banking	Unsecured or secured	Local relationship officer	Inquire Here
Business Term Loans	Business expansion Acquisitions Equipment purchases Long-term working capital	$250,000 and up	Various	Fixed and variable rates	Principal and Interest	Single disbursement at loan closing View and make payments through Business Online Banking	Unsecured or secured	Local relationship officer	Inquire Here
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 Interest Only	Single and multiple disbursements View and make payments through Business Online Banking	Secured	SBA Preferred Lender Term loans and Lines of Credit Other governmental loan programs	Inquire Here
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	Single and multiple disbursements	Real estate	Local relationship officer	Inquire Here
Agricultural Loans	Production financing Equipment loans Real Estate loans Livestock financing Inventory and accounts receivable 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	Inquire Here

Janet Hepp

Janet Hepp

Market Manager,
Bakersfield

Mark Smith

Mark Smith

Market Manager,
Clovis Main

Dan Garcia

Dan Garcia

Market Manager,
Modesto

Victor Fakrogha

Market Manager,
Oxnard

Steve Romeo

Steve Romeo

Market Manager,
Roseville

Eric Yun

Market Manager,
San Luis Obispo

Phil Morreale

Market Manager,
Santa Barbara

Stefani Woods

Stefani Woods

Market Manager,
Visalia Downtown

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Find The Right Loan To Help Your Business Grow

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