Business Loans

Business Loans

FICO® Credit Scores

Business Loans

We understand the power of small businesses in our community. That’s why we make business lending a breeze. Whether you're looking to expand your operations, purchase equipment, or manage cash flow, we have a loan solution for you.

For application information or questions, contact (760) 336-8663 or email

Construction Commercial Real Estate

We offer flexible, comprehensive lending solutions for ground-up construction, tenant improvement, and land purchase and development. Our personalized financing solutions give you access to the funds and expertise you need to finance your next commercial project. 

  • Flexible structures and disbursement schedules 
  • Construction terms up to 24 months, depending on property type 
  • Mini-permanent financing - Variable-rate or fixed-rate loan with maturities from 5 - 10 years with 15 - 30 years amortization 
  • An experienced construction team to assist you through the process 
  • Local decision-making expedites the loan process and funds disbursement

Multi-Family (5+ Units)

Whether you have one multifamily property or various single-family residences, our multi-family loan is a perfect fit to grow your business.

  • Maximum LTV of 80%
  • Maximum amortization of 30 years
  • No prepayment penalty
  • Single family residence pool loan with release prices

Commercial Real Estate Secured

We offer an expanded list of property types including apartments, industrial, retail, and office buildings, mini-storage facilities, mobile home parks, single-family investor loans (2+ homes), and more!

  • Maximum LTV of 80% on apartments, 75% on other property types
  • Maximum amortization of 25 or 30 years
  • No prepayment penalty

Equipment Loans

Whether you're in need of new or used equipment, or looking to upgrade or expand your current equipment, we have the resources and expertise to help you achieve your goals. We offer solutions for financing commercial vehicles, industrial equipment, machinery, and heavy equipment.

  •  Minimum loan amount $250,000
  •  Multiple pieces of equipment can be considered under one loan
  •  Maximum LTV of 75%
  •  No prepayment penalty
  •  Maximum term seven years

We also offer SBA loans and USDA lines of credit.

Email our Commercial Lending Team for More Information


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APR* as low as
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*APR = Annual Percentage Rate