happy artist blue arc over top left corner of photo

SMALL BUSINESS LOANS


Small businesses can have big banking needs and we are here to help. Whether you want to finance seasonal working capital, purchase new equipment, expand your manufacturing facility or buy a truck for your business, you can count on Pacific Mercantile Bank to make the process as easy and convenient as possible.

art gallery

We have the loan to meet the needs of your business.

  • Business Advantage Loans offer local decision-making by experienced bankers who will invest the time to understand your business and financial needs. Pacific Mercantile Bank makes Business Advantage Loans from $25,000 to $250,000 for a range of purposes:
    • Revolving lines of credit to finance temporary or seasonal working capital
    • Term loans to provide permanent working capital or purchase or refinance fixed assets
    • Vehicle loans to purchase new cars or trucks for your business
  • California State Small Business Loan Guarantee Program (SBLGP) offers a guarantee of up to 80% for small business loans under $20 million. Pacific Mercantile Bank is an SBLGP-affiliated bank, as part of the Bank’s efforts to expand the amount of credit available to small business owners in Southern California
    • Program is delivered statewide through 11 Financial Development Corporations, including the Small Business Financial Development Corporation of Orange County
    • SBLGP provides broader access to financing for small businesses having difficulty obtaining credit
    • Companies who possess solid business ideas and plans, are able to demonstrate a consistent and unblemished credit history, but have minimal collateral may be eligible
  • SBA (Small Business Administration) loan programs are designed to suit your business needs, from working capital lines of credit to term loans or real estate financing. Pacific Mercantile Bank is an SBA preferred lender for SBAExpress and 7(a) SBA Loans. We are also an active participant in SBA’s 504 Loan Program, which offers up to 90% LTV financing.

Call to learn more:

To connect with a senior banker in your area, call one of our Regional Managers: