Lines of Credit
Sign up for
Mobile Remote Deposit
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.
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.
How to apply today
Purchase fixed assets, make leasehold improvements, increase permanent working capital, or undertake other transactions.
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.
For business expansion or investment, improving or refinancing your current commercial property, we offer:
How to apply today
As a homegrown 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.
We offer a variety of financing options to fit your unique situation:
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.
How to apply today
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.
We’re dedicated to helping those in professional practices manage day-to-day financial needs and long-term goals, from start-up through retirement.
No matter which card you choose, you’ll enjoy important features like:
Lets get started...
This product is not available online.
Visit a branch today to apply
*The creditor and issuer of these Cards is Elan Financial Services, pursuant to license from Visa U.S.A. Inc. All credit cards are subject to credit approval. All offers and representations included on this page are made by Elan Financial Services. Products subject to change without notice.
1Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8Late payments and going over the credit limit may damage your credit history.
Call 800.797.6324 or stop by your local branch.
All loans and credit products subject to program eligibility, collateral, underwriting approval and credit approval.
Mechanics Bank is an Equal Housing Lender. Member FDIC.
Need login assistance