Lending

Commercial Bank of California offers a comprehensive suite of lending solutions to meet your borrowing needs:

 

Business Credit Solutions

Business Lines of Credit

Access the funds you need, when you need them.  A Business Line of Credit is the perfect solution for short-term borrowing needs for which repayment is expected to occur in the near future.  You have the flexibility to borrow as much or as little as you need to meet your specific working capital requirements,

  • With a Business Line of Credit, you incur no interest costs until funds are actually used and you can repay your borrowing at any time without any prepayment penalties. 
  • Business Lines of Credit can be structured on a revolving basis - repaid funds can be re-borrowed if desired - or on a nonrevolving basis.

Business Lines of Credit can provide you access to funds for a very broad variety of purposes, including the following:

  • Managing cash flows for busy seasons during the year
  • Taking advantage of trade discounts
  • Timing your inventory purchases
  • Providing short-term cash flow while you wait for collection of receivables

Business Term Loans

For longer term borrowing needs, a Business Term Loan can be the perfect solution.  Term loans are available to assist with equipment and machinery purchases, business expansion, business acquisition, permanent working capital or refinance of existing business debts.

With a variety of fixed and variable rate options, our commercial term loans can provide a valuable source of working capital for your business and help you acquire the resources you need to maximize your profitability and strengthen your competitive position.

Business Equipment Financing

If your business uses equipment in its operations, Business Equipment Financing can provide funding for the tools and equipment you need to keep your business growing.  Repayment terms are flexible based on the cash flow needs of your business and the incremental revenues the equipment will generate.

CBC offers variety of fixed and variable rate options to you to maintain a competitive edge by offering equipment financing to meet your business needs.  CBC offers the following products under equipment financing.

  • Traditional term loan up to 100% financing
  • Guidance Lines of Credit.  The Guidance Line will allow you to finance a variety of equipment using different terms and structures over the course of the year as equipment is purchased.

Accounts Receivable and Inventory Financing

If your business invoices on account and carries amounts due from customers or maintains an investment in saleable inventory, Accounts Receivable and Inventory Financing (sometimes known as “Asset-Based Financing”) can be the ultimate cash flow tool for your business.   We can provide the funding you need to keep your warehouse fully stocked with the items you need to keep your business growing.

  • Financing structure is similar to a Business Line of Credit, except that the amount of the line is set as a percentage of your “borrowing base” of eligible accounts receivable or inventory.
  • You only incur interest costs when loan funds are actually used, and borrowings are repaid as payments are received on your collected receivables or cash sales of inventory.
  • Accounts Receivable and Inventory Financing typically benefits companies that have the following needs:
  • Immediate reinvestment of operating cash flow back into the business’s working assets (such as new accounts receivable and inventory)
  • Managing cash flow over longer operating cycles
  • Companies that operate profitably with higher leverage
  • Companies with higher revenue growth rates leading to expanding working assets

 

Real Estate Credit Solutions

Construction Loans

Whether you’re a seasoned real estate developer or a business owner looking to construct a new facility, Commercial Bank of California has solutions.  Our experienced construction lending team can assist you with financing your project and will be a part of your team from your land acquisition and initial concept planning, all the way through to the completion of construction.    Also, find out about our Government Guaranteed Loan products.

Construction Loans are available for a vast many owner-occupied and investor projects, including:

  • Commercial/Industrial and Warehouse Facilities
  • Hotels
  • Office and Medical buildings
  • Retail properties
  • Single-tenant properties
  • Apartment Buildings
  • Single family tract homes and condominiums

Commercial Real Estate Loans

Our experienced team will provide a custom real estate lending solution to meet your financing needs.    Our lending products are tailored for your needs, from short-term bridge loan financing, to “mini-perms” and long-term permanent financing.    We work with investors, developers, individuals, brokers and other professionals to structure loans that competitively meet your real estate lending needs.  Also, ask about our Government Guaranteed Loan products.

Commercial Real Estate Loans are available for owner-occupied and investor-owned properties, including:

  • Commercial/Industrial and Warehouse Facilities
  • Hotels
  • Office and Medical buildings
  • Retail properties
  • Single-tenant properties
  • Apartment Buildings

 

SBA and Other Government Guaranteed Credit Solutions

Outgrown your present space? Need to upgrade your facility or add machinery and equipment? Want to stop paying monthly rent and start building equity through the purchase of a new or existing building?  Commercial Bank of California’s lending officers are experts in Small Business Administration (“SBA”) Guaranteed Lending and can work with you to find the best U.S. government supported program available.

SBA 7a Program

As an SBA Preferred Lender (PLP), Commercial Bank of California can provide expedited services and faster turnaround to help your business thrive.  We offer all the lending products and services you expect from your community bank, with high level of personal attention.  With favorable loan terms, such as low down-payments, longer maturities and smaller monthly payments, we will keep your financing smart and efficient.

Industries that may qualify for one of these government guaranteed loans include the following:

  • Manufacturing
  • Retailers
  • Professional services
  • Hospitality
  • Assisted living facilities
  • Skilled nursing centers

Building types that frequently qualify include:

  • Offices
  • Retail and restaurant properties
  • Warehouses
  • Industrial and manufacturing facilities
  • Child care properties
  • Assisted living centers
  • Professional buildings
  • Hotels and Motels

SBA 504 Loans

The SBA 504 Program is designed for the financing of purchased real estate or other long-lived assets (such as capital assets). In this lending arrangement, there is a mix of the customer's cash injection (of a modest amount), a loan from Commercial Bank of California, and a long-term loan provided by the SBA.  The SBA portion is facilitated through an intermediary known as a Certified Development Company, which is licensed through the SBA.

Business & Industry Loans

The U.S.D.A. Business and Industry Guaranteed Loan Program is designed to help create and maintain employment and improve the economic climate in rural communities.  The program provides stability, growth, expansion and employment for businesses in rural communities.

USDA loans offer amortizing term loans granted with higher loan-to-value structures than would otherwise be made available and longer repayment terms to increase your company’s net cash flow.  To be eligible for a USDA B&I Loan, your business must be located within a rural community as defined by the USDA Mapping Program (except for Food Desert loans).

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714-431-7000

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