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Business Banking
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Business Lending
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Business
Lending
At First California Bank, relationship
banking is not just a term - it’s a team. Your Commercial
Loan Officer is part of that team. We are dedicated to providing
the small
business owner with access to financial products to assist
with your growth and expansion needs.
- Business Lines of Credit
- Term Loans for Equipment or
Capital Investment – permits
businesses to purchase needed equipment, expand and modernize,
or inject needed capital. Secured by assets, these loans
offer flexible, amortized repayment with maximum 5 year
terms, fixed or variable rates and no balloon payments.
- Letters of Credit – put
the bank’s creditworthiness to work for you – allowing you to obtain better
credit terms and facilitate both domestic and overseas transactions.
- Commercial
Real Estate Loans – enable businesses
to own or expand facilities and maximize borrowing power for the long-term.
Loans have up to a 10 year term and up to a 25 year amortization for lower monthly payments.
- Commercial Construction Loans – help
businesses with custom commercial or industrial construction
with up to 18 months of interest-only financing that may convert
to a term loan. Fees and interest can be financed to free up funds.
- Accounts Receivable Financing Lines – increase working
capital while collecting accounts receivable by providing
a revolving credit line based on an analysis of accounts
receivable. Interest-only payments and flexible principal repayment
scheduling provide cost-effective borrowing.
- Business Credit Cards – create a convenient and safe
way to purchase goods and services. MasterCard ™ programs
have appropriate credit limits, rates and fees to meet your business needs.
LineManager® is a Web-based solution to track commercial lines of credit. LineManager provides customers real time access to their borrowings. It offers convenience, enabling borrowers to automate the process of sending collateral data to the bank. It keeps the bank and their customer on the "same page" regarding the customer's business performance, financial needs and possible problems.
You will be leaving First California Bank's website once you
click the Line Manager links above.
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