man in shop with computer blue arc over top left corner of photo

Small Business Loan Solutions


happey business partners

Helping small businesses succeed is our purpose. Regardless of the size of your business, you can expect flexible solutions plus personal service from Pacific Mercantile Bank.

We are here to help. Whether you want to finance working capital, purchase new equipment, buy or expand your facility, purchase an existing business, or reduce payment processing expense, you can count on Pacific Mercantile Bank to make the process as straightforward and efficient as possible.

Our objective is to increase our clients' likelihood of success. That is why we are here. We help companies succeed.

Small Business Loans and Lines of Credit

A Small Business Loan or Line of Credit from Pacific Mercantile Bank Can Be the Advantage Your Company Needs to Succeed

Regardless of size or business need, we are here to help. Whether you want to finance seasonal working capital, purchase new equipment, or expand your facility, we have the solution you need.

Business term loans and lines of credit for a range of purposes:

  • Business credit amounts of $25,000 to $1,000,000
  • Revolving lines of credit to finance temporary or seasonal working capital
  • Revolving lines of credit with terms of up to 12 months
  • Term loans to provide permanent working capital or purchase or refinance equipment
  • Loans to purchase new cars or trucks for your business
  • Fully amortizing business term loans up to 7 years

Need funds fast? You can borrow at the speed of small business from a banking partner who wants your business to thrive.

Our streamlined small business loan application process using best-in-class technology powered by Fundation®, one of the nation’s leading online credit solutions providers, enables us to say ‘yes’ faster.

  • It’s easy, secure, flexible, and convenient.
  • Easy online application process.
      business partners looking at documents on the floor
    • The application takes as little as ten minutes to complete.
    • Your personal and business information is encrypted and highly secure.
  • Exceptional service you can count on.
    • Funding can be provided within 3 business days after approval.
    • Pacific Mercantile Bank is known for delivering business solutions with a personal touch.
    • Our technology partnership with Fundation enables us to be even more efficient and responsive to your needs.

Fundation® is a registered trademark of Fundation Group, LLC, used with permission.

For questions about small business loans and lines of credit, contact:

  • Jack Jacob, SVP/Deputy Chief Credit Officer

    714.438.2502
↑ Back to top

Small Business Administration (SBA) Loans

happey woman with an OPEN sign

Pacific Mercantile Bank is an SBA Preferred Lender dedicated to helping companies succeed.

  • We take the time to understand the business.
  • Our expertise in the full range of SBA loan products helps us structure the loan to meet the company’s needs.
  • We have a streamlined SBA Express product for smaller credit needs.
  • Personalized service takes the mystery and red tape out of obtaining an SBA loan, resulting in an easy to understand process and hands-on assistance from application to funding.
  • We are service-oriented. We perform. We deliver. We help companies succeed.

SBA 7(a) Loans

An SBA 7(a) loan provides funds for:

  • Working capital
  • Financing inventory and equipment purchases
  • Refinance or term out of business debt
  • Purchase existing business or expansion
  • Purchase or refinance of owner occupied commercial real estate
  • Tenant Improvements
  • Partner Buy-Out

PACIFIC MERCANTILE BANK OFFERS

  • Real Estate Loan terms – up to 25 years, fully amortized
  • Business Loan terms – 7 to 10 years
  • Loans up to $5 million

SBA 504 Loans

An SBA 504 loan is an excellent option for US-based, for-profit small businesses considering:

  • Purchase of owner-occupied commercial buildings
  • Construction of new facilities or modernizing, renovating or converting existing facilities
  • Purchase of long-term machinery and equipment

PACIFIC MERCANTILE BANK OFFERS

  • Bank 1st mortgage can be amortized up to 25 years
  • CDC 2nd mortgage fully amortized and payable over 20 years
  • SBA/CDC offers fixed interest rates on their portion
  • Up to 90% Financing with Bank 1st TD and SBA 2nd TD loans
  • Total Project Costs/Purchase Price up to $17 million

For questions about SBA loans, contact:

  • Jim Roby, SVP/Director of SBA

    949.487.4203
↑ Back to top

Commercial Credit Card Solutions

Cards for All Businesses

Handing a card to customer

Whatever the size of your business, Pacific Mercantile Bank’s Commercial Card program offers an array of options to help you manage everything you need --- from purchasing to T&E spending with comprehensive reporting and integration tools.

Increase Efficiency, Gain Control

  • Reduce payment processing expense
  • Control employee spending
  • Optimize accounts payable posting through robust transaction-level reporting

Tap Discounts Without Stressing Cash

  • Use cards to make vendor or supplier payments to take advantage of early pay discounts without actually disbursing funds
  • Extend your accounts payable cycle without incurring interest expense
  • Negotiate discounts with preferred vendors

Control Card Use and Spending

  • Take advantage of advanced online card management controls
  • Automated spending controls can ensure cardholders’ adherence to corporate spending policies
  • Cards let you set individual limits on transaction size, vendor types and other criteria

Protecting Your Interests

  • Real-time fraud monitoring and immediate notification of suspicious activity
  • CHIP technology provides extra security at point of sale
  • Electronic payments save time and money, allow for better cash flow management and uncover data to help you analyze costs and optimize supplier relationships and spend

Why Use Commercial Cards? Learn More

For questions about commercial credit cards, contact:

  • Will Hickox, SVP/Card Services Product Manager

    714.438.2521
↑ Back to top

Small Business Education Center

Helping companies succeed is our purpose. Regardless of the size of your business, you can expect customized solutions for our core clients plus personal service from Pacific Mercantile Bank. This free program offers a series of interactive learning experiences to help you get a clear understanding of key financial topics including: how businesses obtain and use credit, how to develop an effective business plan, how to create and use business financial statements, and more.

↑ Back to top

California State Small Business Loan Guarantee Program

As part of the Bank’s efforts to expand the amount of credit available to small business owners in Southern California, Pacific Mercantile Bank is an active participant in the California State Small Business Loan Guarantee Program (“SBLGP”). The SBLGP offers a guarantee of up to 80% for small business loans under $20 million, thereby providing broader access to financing for small businesses having difficulty obtaining credit.

2 business men

For questions about the California State Small Business Loan Guarantee Program, contact:

  • Mark Martinez, SVP/Regional Manager

    909.937.7273
↑ Back to top

 


You’ll Have Someone to Call for Help and
We’ll Understand What You’re Asking For

For questions about small business loans and lines of credit, please contact:

  • Jack Jacob, SVP/Deputy Chief Credit Officer

    714.438.2502

For questions about SBA loans, contact:

  • Jim Roby, SVP/Director of SBA

    949.487.4203

For questions about commercial credit cards, contact:

  • Will Hickox, SVP/Card Services Product Manager

    714.438.2521

For questions about the California State Small Business Loan Guarantee Program, contact:

  • Mark Martinez, SVP/Regional Manager

    909.937.7273
↑ Back to top