We can be a great resource to help you assess your company’s financing needs and find the best option that will keep pace with your company’s growth.


term-loans-financing

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.

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  • 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


Term Loans

Term Loans

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

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  • 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


Real Estate and Construction Financing

Real Estate and Construction Financing

Whether you’re a sole proprietor or large-scale developer, our local expertise and extensive experience helps simplify the complexities of financing property and construction.

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For business expansion or investment, improving or refinancing your current commercial property, we offer:

  • Customized and flexible credit structures
  • Amortization structures designed to suit your cash flow requirements and aim to stabilize the cost of carrying debt
  • Fixed or adjustable terms
  • Competitive interest rates based on various indexes
  • Local credit approval for faster decisions
  • Loan syndication
  • Bridge financing

How to apply today


Vineyard

Agriculture and Vineyard Financing

As a homegrown Northern California bank, we understand the specific challenges and constant changes in the agriculture industry. From multi-generational family farms to corporate-led operations, we can help you with the financing you need to turn your hard work and investments into a successful venture.

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We offer a variety of financing options to fit your unique situation:

  • Variable, adjustable, and fixed rate loans and lines of credit
  • Long, short and intermediate term financing
  • Conversion options and longer-term amortizations
  • Equipment leasing
  • Cash management solutions

How to apply today


Equipment Leasing and Financing

Equipment Financing

Maintain your company’s competitive edge while conserving credit and capital. We specialize in helping you afford the latest in equipment by providing flexible terms to help accommodate any budget.

More details

  • Up to 100% financing for equipment, including delivery and installation
  • No financials required up to $100,000
  • Terms of 24 to 72 months

How to apply today


Letters of Credit

Letters of Credit

Mechanics Bank can help you structure standby letter of credit terms that meet the needs of your specific trade or transaction, such as a payment for purchasing goods and services or an international transaction.

More details

  • Support for obligations such as trade payments, leases, advance payment requirements, and performance and bid assurances
  • Substitute for collateral to enhance credit facilities
  • Support for insurance obligations, including workers’ compensation

How to apply today


Professional Practice Financing

Professional Practice Financing

We’re dedicated to helping those in professional practices manage day-to-day financial needs and long-term goals, from start-up through retirement.

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  • High-level of industry-specific expertise to understand your demands, opportunities, and challenges
  • Dedicated personal banker to provide a single point of contact and facilitate internal bank resources to suit your individual practice needs
  • Full range of services, from specialized loans for practice acquisitions to lines of credit, equipment financing, advanced cash management tools, online solutions, and bank card services

How to apply today


Credit Card 1

Take care of your business finances with our Visa Business credit cards which offer award-winning expense management tools, free employee cards, and added security benefits.

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  • Zero Fraud Liability2
  • Reward card programs that allow you to earn valuable reward points
  • Low introductory rates
  • No annual fee options
  • Accepted at millions of locations worldwide
  • 24-hour service for card members
Visa Business
Bonus Rewards Card

 Visa Business Bonus Rewards

Earn 25% bonus points
every month

Apply now

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Visa Business
Bonus Rewards PLUS Card

 Visa Business Bonus Rewards PLUS

Earn 50% bonus points
every month

Apply now

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Visa Business Card

 Visa Business

Enjoy a longer intro rate

Apply now

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