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Individually Tailored Commercial Lending Services

Appropriate lending support tailored to your specific needs is an essential element of our full-service relationship banking philosophy. We provide a wide variety of loans to meet both short term working capital requirements and permanent financing needs of your business. From lines of credit and asset-based financing to permanent capital loans, your relationship manager will structure a custom package specifically to meet your requirements.
 

Short Term, Self-Liquidating Loans

We provide flexible programs that assist you with a variety of short-term needs. Whether you need money to cover spikes in sales or to bridge liquidity gaps, we can design a customized solution.
 

Operating Lines of Credit

Financial flexibility to deal with variety of regular or unanticipated cash flow needs is essential for the livelihood of any business. An operating line of credit is a valuable and convenient financial management tool because while funds are always accessible, you pay interest only when you borrow. You can access your line of credit by phone or online.
 

Term Financing

Term loan financing is often attractive because it provides a solution for business expansion and/or equipment acquisition. In addition, it allows you to budget for fixed outflows based on a scheduled repayment program. Repayment is structured in periodic installment payments, with terms established in concert with your repayment capacity. Your relationship manager can help you structure a term loan to finance fixed assets increase permanent working capital, or undertake other transactions that require long-term financing.
 

Commercial Real Estate Loans Click Here For More Information

The Mechanics Bank has a long history and expertise in financing owner/user and investment property. We specialize in loans to finance the acquisition, development, construction, tenant improvements, and long-term financing of commercial properties such as office and industrial buildings, warehouses, shopping centers, vineyards, wineries and apartment buildings.
 

Corporate Credit Card

A MasterCard® Corporate Credit Card provides instant purchasing power. Our detailed monthly accounting makes it easy to identify and track separate personal and business expenses.

Equipment Leasing Click Here For More Information

Having choices in how you structure your financing is important because you can pick and choose what works best for you. In additional to traditional term loans, we offer a program for equipment leases. We offer lease financing from $10,000 to $500,000, and if you have been in business for at least five years and need up to $100,000, we simplify the paperwork by asking for an application only. You can get 100% financing with payments up to 72 months and choose an end of term option that fits your budgeting plans.

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