Business Access Online Loans Under $175,000

Simple ownership, simple financing and access to next-day funding.[cite::109::cite] Business Access is designed for companies with limited borrowing needs.

IMPORTANT UPDATE: As a result of COVID-19, the U.S. SBA announced the Paycheck Protection Program. Learn the qualifications.

Term Loans

Business Access Line Of Credit[cite::108::cite]

  • Borrow $5,000 to $50,000
  • $150 annual fee
  • Variable rates
  • Unsecured
  • Up to 36-month term

Businesses routinely need interim financing for short-term working capital. Now you can quickly fund smaller capital needs with a Business Access Line of Credit at a competitive rate. It’s a convenient and quick approach for gaining short-term financing to fund:

  • Accounts receivable
  • Inventory
  • Taking trade discounts
  • Seasonal shortfalls
  • And other immediate needs

Get a same-day decision and next-day business funding[cite::109::cite] with our Business Access Line of Credit. It can also provide overdraft protection for your CB&T business deposit account and is easily managed through online banking.

Business Access Term Loan[cite::108::cite]

  • Borrow $5,000 to $175,000
  • $150 origination fee
  • Fixed rates
  • Secured with up to 100% financing
  • Up to 60-month term

Growing businesses find our Business Access term loans to be a smart way to finance fixed assets. Along with our competitive rates, gain the security of term loan[cite::108::cite] financing for a fixed repayment schedule and a fixed payment amount for greater fiscal planning and predictability. Business Access Term Loans are the convenient, reliable route to financing for:

  • Permanent working capital
  • Refinancing existing debt
  • Purchasing equipment or technology
  • Buying fleets, trucks or other vehicles
  • Other long-term capital needs

Here’s what you need to apply online.

With Business Access, you can quickly apply online for a Line of Credit up to $50,000 or a Term Loan up to $175,000. Simply create a login account and review the following information. You can complete the process in less than 15 minutes:

  • Be an authorized owner of a privately-owned business with a limited number of owners.
  • Be at least 18 years old, an owner and active manager with a business located in California.
  • Have an email address for all individuals with 20% ownership in the business.
  • Know the proposed use for the Line of Credit or Term Loan.
  • Have your Taxpayer ID (or Social Security number), the loan amount desired and other key information available (sales figures, number of employees and ownership)
  • Be sure gross annual revenue is no more than $2 million.
  • Confirm you have been in business more than two years.
  • Be ready to provide 3 months of bank statements (if you have no current relationship with CB&T).
  • Know the average balance in your business bank accounts.
  • Know the total debt and monthly debt payments for the business.

 



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