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Unlock your business potential with tailored financing solutions

Business Lending

As a Locally Owned and Managed Community Bank, We Have the Right Financing Options for You

Comprehensive Financing Options

  • Flexible loans tailored to your business needs
  • Competitive rates for all loan types
  • Expert support to guide you through the process
  • Variety of loan products including lines of credit, term loans, and SBA financing

Build and Expand Your Business

  • Financing for commercial real estate purchases and refinances
  • Construction loans for new builds and remodeling projects
  • Fixed and variable rate options available
  • Personalized solutions from experienced bankers

Meet Our Team

Janet Hepp

Bakersfield
Market Manager
661.469.3560

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Mark Smith

Mark Smith

Clovis
Market Manager
559.323.3481

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Victor Fakrogha

Oxnard
Market Manager
805.690.3240

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Steve Romeo

Steve Romeo

Roseville
Market Manager
916.859.2556

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Eric Yun

San Luis Obispo
Market Manager
805.597.4157

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Stefani Woods

Stefani Woods

Visalia
Market Manager
559.268.6872

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Kevin Phan

Sacramento
Market Manager
916.802.8719

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Commercial Loans

Features Lines of Credit Business Term Loans SBA Loans Real Estate Loans Agricultural Loans

General Purpose

  • Short-term working capital
  • Business expansion
  • Overdraft protection
  • Finance receivables
  • Finance inventory
  • Loan or line of credit
  • Business expansion
  • Acquisitions
  • Equipment purchases
  • Long-term working capital
  • Working capital
  • Business expansion 
  • Business purchase
  • Debt refinance
  • Equipment purchases
  • Real estate
  • Construction
  • Acquire new facilities 
  • Business expansion
  • Refinance
  • Production financing
  • Equipment loans 
  • Real Estate loans
  • Livestock financing
  • Inventory and accounts receivable Lines of Credit
  • Crop production financing
  • Agriculture Real Estate financing

Loan Amounts

  • $250,000 and up
  • $250,000 and up
  • $15,000 to $250,000
  • $400,000 and up
  • $250,000 and up

Terms Available

  • Annual renewal
  • Various
  • Real estate up to 25 years
  • Equipment up to 10 years
  • Working capital up to 7 years
  • Up to 25 years amortization
  • Crop lines reviewed annually
  • Real estate up to 25 years

Interest Terms

  • Variable rates
  • Fixed and variable rates
  • Fixed and variable rates
  • Fixed and variable rates
  • Fixed and variable rates

Monthly Payment

  • Interest only
  • Principal and interest
  • Principal and interest
  • Interest only
  • Principal and interest
  • Monthly up to annual

Access

  • Transfer funds through Business Online Banking on certain eligible accounts
  • View and make payments through Business Online Banking
  • Single disbursement at loan closing
  • View and make payments through Business Online Banking
  • Single and multiple disbursements
  • View and make payments through Business Online Banking
  • Single and multiple disbursements
  • Single and multiple disbursements

Collateral

  • Unsecured or secured
  • Unsecured or secured
  • Secured
  • Real estate
  • Unsecured or secured

Additional Information

  • Local relationship officer
  • Local relationship officer
  • SBA Preferred Lender
  • Term loans and Lines of Credit
  • Other governmental loan programs
  • Local relationship officer
  • Local relationship officer
  • Federal and State guarantees
  • For Agriculture equipment loans, see a representative for more details

Commercial Loans

Features

General Purpose

Loan Amounts

Terms Available

Interest Terms

Monthly Payment

Access

Collateral

Additional Information

Lines of Credit
  • Short-term working capital
  • Business expansion
  • Overdraft protection
  • Finance receivables
  • Finance inventory
  • Loan or line of credit
  • $250,000 and up
  • Annual renewal
  • Variable rates
  • Interest only
  • Transfer funds through Business Online Banking on certain eligible accounts
  • View and make payments through Business Online Banking
  • Unsecured or secured
  • Local relationship officer
Business Term Loans
  • Business expansion
  • Acquisitions
  • Equipment purchases
  • Long-term working capital
  • $250,000 and up
  • Various
  • Fixed and variable rates
  • Principal and interest
  • Single disbursement at loan closing
  • View and make payments through Business Online Banking
  • Unsecured or secured
  • Local relationship officer
SBA Loans
  • Working capital
  • Business expansion 
  • Business purchase
  • Debt refinance
  • Equipment purchases
  • Real estate
  • $15,000 to $250,000
  • Real estate up to 25 years
  • Equipment up to 10 years
  • Working capital up to 7 years
  • Fixed and variable rates
  • Principal and interest
  • Interest only
  • Single and multiple disbursements
  • View and make payments through Business Online Banking
  • Secured
  • SBA Preferred Lender
  • Term loans and Lines of Credit
  • Other governmental loan programs
Real Estate Loans
  • Construction
  • Acquire new facilities 
  • Business expansion
  • Refinance
  • $400,000 and up
  • Up to 25 years amortization
  • Fixed and variable rates
  • Principal and interest
  • Single and multiple disbursements
  • Real estate
  • Local relationship officer
Agricultural Loans
  • Production financing
  • Equipment loans 
  • Real Estate loans
  • Livestock financing
  • Inventory and accounts receivable Lines of Credit
  • Crop production financing
  • Agriculture Real Estate financing
  • $250,000 and up
  • Crop lines reviewed annually
  • Real estate up to 25 years
  • Fixed and variable rates
  • Monthly up to annual
  • Single and multiple disbursements
  • Unsecured or secured
  • Local relationship officer
  • Federal and State guarantees
  • For Agriculture equipment loans, see a representative for more details

Please note: This information is accurate as of April 1, 2024. Community West Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.

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