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Lending Solutions for Your Business

We offer loans and lines of credit with competitive rates and flexible terms to meet your needs and help your business grow.

Term Loans

Purchase fixed assets, make leasehold improvements, increase permanent working capital, or undertake other transactions.

  • Personal service and local credit evaluation and approval
  • Competitive, low, fixed or variable rates
  • Regular installments of principal and interest for easy budgeting

How to apply today

Lines of Credit

Be ready when your business needs a financial boost, to bridge a cash-flow gap, purchase inventory, or to take advantage of fast-moving opportunities. A line of credit provides a flexible source of extra money you can put to work quickly.

  • Personal assistance in determining your credit needs
  • Straightforward application process and local credit approval
  • Easy access to your funds in ways that work best for you

How to apply today 

SBA Lending

We also offer small business loans partially guaranteed by the U.S. Small Business Administration. SBA loans offer favorable terms and can be used for a variety of purposes.

SBA 7(a) Loans

Use for acquisition or expansion of a small business including workingcapital, equipment purchases, and commercial real estate financing

  • Loan amounts up to $5 million
  • Repayment terms up to 10years for working capital and 25 years for commercial real estate
  • Repayment terms up to 10years for working capital and 25 years for

SBA 504 Loans

  • Use for purchase, refinance, or construction of commercial real estate
  • Up to 90% loan to value
  • Loan amounts up to $15 million
  • Repayment terms up to 25 years

Commercial Real Estate Financing

Whether it's a purchase, refinance, or renovation, growing businesses look for opportunities to make the most of their business space.

Work with an experienced, local business banker to structure your commercial real estate financing to meet your business objectives. Mechanics Bank offers the following owner-occupied commercial real estate finance options:

Purchase Option 

Start building equity by purchasing your current office space
- Accommodate your growing business with the purchase of a new building or facility

Refinance & Renovation Options

- Refinance to lower your payments helping improve your cash flow with better rates and terms
- Finance space improvements or other business-related projects

 

Business Credit Cards

Choosing the right business credit card is easier than ever.
See our range of options to help you manage day to day cash flow, simplify spending and track purchases. 

Whether it's a credit line to manage cash flow, financing to upgrade equipment, or a loan to expand your operations, we have a complete range of business financing solutions. 

Contact your local Business Expert to find out which financing options are right for your business.
 

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