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Business Financing

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.

Business Financing

Service Description

Business Credit Cards

Our suite of Business Visa® Cards provide instant purchasing power. Our detailed monthly accounting makes it easy to identify and track separate personal and business expenses.

Commercial Real Estate Loans

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.

Equipment Leasing

We offer 100% financing on most types of equipment in amounts ranging from $10,000 to $500,000 and terms from 24 to 72 months ($100K+ required for greater than 60 months.) We offer same day approval for our application only program for amounts up to $100K with no financials or tax returns required, however, you must be in business for at least 5 years for this program. Our most aggressive rates are available for transactions that include a full financial analysis. The rates are fixed for the term for all transactions.

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.

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.

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.

For more information about these business services, please visit one of our offices or contact us at 800-797-6324.

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