California Bank of Commerce offers a full range of loan products tailored to meet the needs of privately-held companies. Our expert bankers have years of experience adding value to industrial companies, manufacturers, wholesalers, distributors and the professional service companies that support them. Our bankers also have a successful history helping finance real estate developers and real estate investors, and take pride in helping bank established non-profit organizations and associations.
Most importantly, our Bankers will invest their time and experience in you and your business to understand your borrowing needs. As the business bank for your community, our decisions are made promptly, decisively, and locally. California Bank of Commerce is built on a strong capital base, providing your business with the capacity and flexibility you need.
We can provide your business with lines of credit, term loans, or standby letters of credit.
View our commercial loan products
Lines of Credit
California Bank of Commerce can provide your business with quick and easy-to-establish operating lines of credit to help you with inventory needs, receivables, or equipment purchases.
Standby Letters of Credit
Standby letters of credit can be issued for a variety of purposes. Typical uses for standby letters of credit include, but are not limited to, guaranteeing a contractual obligation, substitution for providing cash or for bonding requirements related to warranty work.
We also have Term Loans to fund the purchase or refinance of fixed assets, including equipment, aircraft, automobiles and trucks.
Commercial Real Estate Loans
We offer multiple real estate loans tailored to meet your business needs.
View our commercial real estate loan products
Our Mini Perm loan product is a short term financing solution used to help your business pay off construction or commercial property loans. The term is normally two to five years. Once the project is completed and starts producing income, we can help you with a longer term Permanent loan. Our Permanent loans can also be used to fund the purchase or refinance of multi-family residential properties.
California Bank of Commerce can create a construction loan to meet your individual needs. These loans are designed for the construction of owner-occupied and investment properties. Property types include office, retail, industrial, multi-family, and mixed use.
SBA 504 Loans
SBA 504 loans are used to finance the purchase or construction of owner-occupied commercial real estate properties.
We can provide various short to medium term loans for the purchase of income producing commercial real estate properties.
Land Acquisition and Development Loans
These loans are for businesses looking for short term vehicles to finance the acquisition of land for commercial or residential development.
Commercial Real Estate Equity Loans
These loans are flexible medium term loans, secured by primary or secondary collateral positions on income producing real estate properties, enabling the equity in your property to support alternative investment opportunities or support short term cash needs.
Loans for Business Owners and Officers
We can provide you with personal lines of credit or term loans.
View loan options for business owners and officers
Personal Lines of Credit
These lines of credit are short term credit products generally used to fund personal business needs, including bridge financing for real estate and other investments.
Lines of Credit
To finance personal, home improvement, and/or business needs, these lines of credit are secured by a 1st or 2nd Deed of Trust on owner's/borrower's residence.
Term loans to fund the purchase or refinance of stabilized income producing commercial income property for owners or users and established investors and developers.
California Bank of Commerce has Bankers that are experienced in domestic and international banking.
View our international banking products
When you need to demonstrate your creditworthiness to your global business partners, California Bank of Commerce will be there to provide you with the credit vehicles to make your international financial transactions work smoothly and effortlessly. We can create import, export or standby letters of credit to meet your unique needs and enhance your business' financial strength when negotiating contracts.
Import Letters of Credit
Provide prompt payment to your overseas suppliers for the purchase of your company's goods.
Standby Letters of Credit
Demonstrate your creditworthiness to your global business partners, by utilizing the expertise and power of California Bank of Commerce.
Export Letters of Credit
California Bank of Commerce can help mitigate country and commercial risk and provide immediate payment for goods by confirming export letters of credit, and at the same time we will offer attractive credit terms to your buyers.