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Kt Duong, VP | Business Relationship Manager
Kt Duong, VP | Business Relationship Manager

Capital to Grow Your Business

Financing Solutions

You work closely with our experienced bankers so we can fully understand your business goals and structure a financing solution that puts you on the direct path to achieve them.

  • Business Loans and Lines of Credit

  • Commercial Real Estate and Construction Loans

  • SBA Loans

  • Letters of Credit

  • Business Credit Cards

Angela Henderson, VP | Branch Sales Manager, Christy Majors, SVP | Desert Cities Business Banking Manager and Luz Gonzalez, VP | Branch Sales Manager

Business Loans and Lines of Credit

Business lines of credit provide the perfect solution for a variety of short-term financing needs, including providing seasonal working capital, purchasing inventory, materials, or equipment, and carrying accounts receivable. Access as much as you need up to your pre-approved credit limit at any time, and enjoy peace of mind knowing that you will not pay interest until you draw on your line of credit. Payments typically are interest-only.

Terms loans are perfect for more permanent business needs, including equipment purchases, tenant improvements, or business acquisition. Term loans provide regular fixed monthly payments of principal and interest, and you can choose from a variety of terms.

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Bank of Southern California client meeting

Commercial Real Estate and Construction Loans

Bank of Southern California offers a variety of flexible loan options to finance all of your commercial real estate needs, including multi-family buildings, industrial/ warehouse buildings, office buildings, retail buildings, or other real estate. We also offer highly attractive loans for construction or substantial rehabilitation of commercial and residential investment properties.

  • Competitive interest rates and closing costs
  • Up to 75% loan-to value (Up to 90% loan-to-value with our SBA option)
  • Up to 25-year amortizations (May have shorter maturities)
  • No prepayment penalties on variable rate loan programs and construction loans

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A Close-up of Bank of Southern California's 2017 SBA Awards

SBA Loans

The Small Business Administration (SBA) has a program of government-guaranteed loans designed to help small businesses get the funds that they need more easily and provide more flexible terms than conventional loan options.

Bank of Southern California is an SBA Preferred Lender and a leading originator of loans.

SBA loan proceeds can be used for:

  • Purchase or refinance of owner/ user commercial real estate
  • Construction of a new building
  • Modernization or renovation of existing facilities
  • Purchase of long-term machinery or equipment
  • Start-up expenses
  • Working capital
  • Inventory purchases
  • Furniture and fixtures
  • Real estate purchases
Bank of Southern California Branch

Letters of Credit

To help your business secure the purchase of goods and services or for bonding requirements, your personal experienced banker will help you structure your transaction and provide the appropriate documentation to meet your business needs.

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Bank of Southern California's Business Brochures and Credit Card Information

Business Credit Cards

Track and control your business expenses with your Business Credit Card. Business Credit Cards can be a necessity when you have multiple employees making purchases for your business. We offer multiple credit cards that feature low rates, convenient account access, and rewards programs.

Get Financing for Your Business
Take a few minutes to find out how Bank of Southern California can help get you the money that you need to grow your business.
5
FIVE Minutes to Tell Us Your Needs
3
THREE Sets of Documents to Provide
2
TWO Business Days to Get a Decision
1
ONE Step Away to Get Started