Commercial Lending Solutions

Select a product from below:

Independence Bank's commercial lending options will provide your business with financing solutions - customized to your needs. From a line of credit for cash flow support to financing your commercial real estate, we have a business and investment loan product to fit your needs. 


Term Loans / Equipment Financing

As new business opportunities arise, so does the need for additional capital. If your business seeks financing to support a new project, purchase equipment or improve cash flow, Independence Bank can provide the funding your business needs - with flexible terms, competitive rates and quick underwriting from local decision makers.

To learn more please contact:

Don Solsby, Senior Vice President & Director of Business Banking (949) 266-6023 or email Don


All applications subject to credit approval. Customer must maintain an Independence Bank Business Checking Account from which automatic monthly loan payments may be debited.


Business Line of Credit

If you're looking to take advantage of a business opportunity, need accounts receivable financing or have seasonal cash flow needs - a flexible business line of credit can help you manage your short-term cash requirements.

Rate: Adjustable; floats with Wall Street Journal's Prime Rate plus a margin. Rate to be determined, based on overall risk factors of the applicant.

To learn more please contact:

Don Solsby, Senior Vice President & Director of Business Banking (949) 266-6023 or email Don


All applications subject to credit approval. Customer must maintain an Independence Bank Business Checking Account from which automatic monthly loan payments may be debited.


Owner-Occupied Commercial Real Estate Loans

Whether you're considering a purchase of space for you business or refinancing the property you currently own, we specialize in providing commercial real estate loans. We have real estate lending experts who will guide you through the best solution for your needs.

To learn more please contact:

Don Solsby, Senior Vice President & Director of Business Banking (949) 266-6023 or email Don


Multi-Family Real Estate Loans

Independence Bank can help you for purchase or refinancing of a multi-family residential property of 5 or more units.

To learn more please contact:

Don Solsby, Senior Vice President & Director of Business Banking (949) 266-6023 or email Don

 


SBA Loans

Planning on growth or expansion of your existing small business?  SBA financing could be the right solution. Independence Bank has partnered with the U.S. Small Business Administration (SBA) to provide a number of loan programs designed for business owners who may face some challenges in qualifying for a traditional or conventional loan.

Our experienced SBA lending specialists are here to help match your business with the right SBA solution and guide you through every step of the application process.  Before applying, it is important to understand general eligibility guidelines for SBA loans.

As a part of the SBA's effort to streamline the procedures necessary to provide financial assistance to the small business community, Independence Bank has been designated in the SBA's Preferred Lenders Program (PLP).  Under this program, the SBA delegates the final credit decision and most servicing and liquidation authority and responsibility to carefully selected PLP lenders.  Lenders are considered for PLP status based on their record with the SBA, and must have demonstrated a proficiency in processing and servicing SBA-guaranteed loans.

To be eligible, the small business applicant must:

Usage of funding from SBA loans may include:

There are many other specific requirements for SBA lending including the size of your business, type of organization, the nature of business and other criteria.  The best way to determine if an SBA loan is a good fit for your business is to contact our SBA lending specialists for a consultation.

To learn more please contact:

James Jeong, Senior Vice President, SBA Manager (949) 266-6024 or email James