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. 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

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)

Mortgage Loans

We offer a variety of Mortgage Loan Programs

  • 10-30 years Fixed Rate Loans
  • Foreign National Loans
  • Reduced Doc Loans
  • Loan amount up to $2,000,000

Mortgage Loan Originators

NMLS ID# 1294144

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
  • Asset-based Working Capital Loans
  • Wire Remittances

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


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