Business Lending Solutions

Commercial Loans

We specialize in flexible commercial loans that support local businesses like yours. Whether you’re scaling a tech startup or optimizing cash flow for a professional service firm, our loans are structured to fit your unique needs. Our experienced local team provides responsive service and efficient processing to help support your financing goals.

• Term loans and revolving credit facilities for working capital, expansion, asset acquisition, and debt refinancing
• Structures tailored to your industry and cash-flow profile
• Flexible repayment options subject to credit approval and collateral requirements

SBA Loans

We participate in SBA lending programs, including 7(a) and 504 loans to help Bay Area businesses thrive. Whether you’re acquiring equipment or expanding your footprint, we provide a streamlined SBA application and underwriting process with personalized support. SBA loans are subject to SBA program requirements and bank credit approval. Terms, fees, and eligibility vary by program and transaction structure.

• Financing for business acquisition, equipment, real estate, and working capital
• Maturities up to 25 years for certain real estate uses
• Equity requirements that vary by program and borrower profile
• Prepayment terms that vary by loan structure

Investor Real Estate Loans

We offer investor real estate loans tailored to Silicon Valley’s dynamic market. Whether you’re building a rental portfolio or refinancing commercial space, we provide flexible options with local insights to support your investment goals.

Financing is available for the purchase, refinance, or management of income-producing properties, including multifamily and commercial real estate

• Fixed- or variable-rate structures aligned with property characteristics
• Financing for purchase, refinance, or portfolio consolidation
• Options that may include interest-only periods during stabilization
• Available for qualifying multifamily and commercial properties

Construction Loans

We provide construction loans for ground-up builds and major renovations of qualifying residential and commercial projects. Our structured draw process is supported by a dedicated local team.

• Draws based on approved documentation and required inspections
• Construction terms that typically range from 12–24 months depending on project scope
• Dedicated local coordination of underwriting, draws, and closing steps
• Takeout options to permanent financing may be available upon completion

Equipment Financing

We offer equipment financing solutions for the purchase, replacement, or upgrade of essential business equipment and related costs, where applicable. These solutions are structured to help align payments with business revenue and equipment useful life.

• Financing for eligible new or used equipment purchases and upgrades
• Term loans or other structures for one-time or planned acquisitions
• Payment options designed to align with equipment useful life and cash flow
• Responsive support from application through funding