Loan Products

Commercial Loans

Our commercial loans are structured individually to meet your unique financing requirements. We offer both short term lines of credit to supplement your cash flow needs as well as long term financing to carry fixed assets.

Commercial Term Loans/Lines of Credit
Asset Based Lines of Credit
Asset-Based Working Capital Loans

Real Estate Loans

Our real estate loan products provide the best assurance in your real estate investment decisions. From predevelopment financing to permanent loans, we have a wide spectrum of financing options that are commensurate to each stage of your real estate development and/or investment process.

Real Estate Development Bridge Loans
Real Estate Construction Loans
Commercial Real Estate Term Loans

SBA Loans

As a SBA Preferred Lender, First Commercial Bank (USA) can provide a quick decision and pre-approval to help meet your business needs.

Eligible Purpose of SBA Loan:

Real Estate Purchase (Must be at least 51% owner occupied)
Debt Refinance
Business Acquisition
Working Capital
Machinery & Equipment Purchase

California Small Business Loan Guarantee Program

First Commercial Bank (USA) is an approved lender under the California Small Business Loan Guarantee Program (SBLGP). SBLGP loan applications require approval by California Infrastructure and Economic Development Bank.

Eligible Purpose of SBLGP Loan:

Working capital
Inventory; equipment
Franchise fees
Business expansion
Lines of credit
Business real estate acquisitions; new construction and renovations (passive income projects prohibited)

Residential Mortgage Lending

First Commercial Bank (USA) offers great service, competitive rates, and flexible lending options; whether you are a first-time home buyer, would like to upgrade your current house, or need to refinance your current mortgage loan.

First Commercial Bank (USA) offers fixed-rate and adjustable-rate mortgage loans with competitive rates and options. Our Mortgage Loan Originators are committed to smoothly guiding you through the loan process and will be happy to help you find a mortgage tailored to your needs.

First-Time Home Buyer Program

Fixed-Rate Mortgages with 10- to 30-Year Terms

Reduced-Doc Lending Program

Foreign National Lending Program

Asset-Based Lending Program

MORTGAGE LOAN ORIGINATORS

NMLS ID# 1294144

Mortgage Payment Problem? We may be able to help learn more.

International Trade Financing

First Commercial Bank (USA) has a comprehensive international correspondent banking network. Our loan officers at each branch are capable of providing an in-depth analysis of each trade financing program so that you can take on these trade transactions knowing they will be facilitated by our seamless international trade services.

Letters of Credit
Import/Export Financing
Wire Remittances

Please contact our loan officers at nearby branches to discuss your financing requirements in detail.