Business Lending

In today’s economic climate, businesses need to know their bank will be there as a resource and a partner. At Beach Cities Commercial Bank, we have a hands-on, open-door policy that gives you direct access to the decision-makers of the bank to ensure a better, more responsive customer experience. We want to work with you.

Contact one of our experienced bankers today to learn about our Business Lending Services.

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Business Lines of Credit

At Beach Cities Commercial Bank, we know there are times when you need a flexible, short-term solution for your cash flow needs - whether that’s for seasonal purchases, inventory, accounts receivable or trade discounts. We are committed to helping you secure lines of credit as quickly and efficiently as possible. Your success is our priority.

  • Working Capital Lines
  • Borrowing Based Line of Credit

Business Term Loans

Nothing about our business loans is cookie cutter. We customize every term loan for you and your situation. Because we are a community bank, we are nimble and operate without the bureaucracy of larger banks that require multiple layers of approvals and processing. We get you answers fast and help you on your way.

  • Business Acquisition Loans/Expansion Loans
  • Consolidate loans outstanding at other banks

Equipment Financing

Custom loans based on your needs and the requirements of the equipment including new and used equipment financing.

  • General Equipment
  • Heavy Machinery
  • CNC Machines
  • Printing Presses
  • Other General Capital Equipment

Commercial Real Estate Financing

Customized real estate financing solutions for your projects.

  • Owner Occupied
  • Investor
  • Multi-family
  • Bridge financing
  • Construction Financing

Bridge Financing

For the professional real estate investor, short-term financing for commercial real estate transactions.

  • Rehabilitation Loans
  • Acquisition Loans

Small Business Administration Loans/Lines

Government small business loan program with specific terms and conditions. Work with Beach Cities Commercial Bank’s seasoned professionals to confirm eligibility and seamless processing.

504 Loans

  • Below market rates for commercial real estate/capital equipment
  • Lower down payment requirements (as little as 10% down)
  • Longer overall terms for loan repayment are typically available with the 504
  • Blended rate for an overall lower interest rate
  • Refinance and construction loans available

7a Loans

  • Business Acquisitions/Expansions
  • Working Capital – Revolving and Permanent
  • Equipment Financing
  • Commercial Real Estate Purchase
  • Debt Refinance

California State Loan Guarantee Loans/Lines

Government-backed loan program with specific terms and conditions.

  • 7-year fully amortized loans available
  • Flexible in terms for loans and lines
  • Not-for-profits eligible
  • Inventory and long-term working capital programs available
  • Businesses with small businesses with 1 - 750 employees are eligible

Construction Loans

Specialized loans for owner-occupied (commercial/industrial) and investment properties including commercial/industrial properties. High-end, coastal SFR projects for sale only (SPEC) to well-established developers.

  • Customized terms
  • 12 to 18-month drawdown line of credit
  • Funds are disbursed as the improvements are completed and inspected

Lending products are provided by Beach Cities Commercial Bank. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Equal Opportunity Lender.

Merchant Services and credit cards are offered through a third party. Merchant Services and credit cards are subject to application, credit review of the business and its owners, and approval.

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