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What Can We Help You Find?

Business Banking > Loans and Lines of Credit >

Business Access Loans

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.

Term Loans

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

  • A line amount between $5,000 to $50,000
  • A term up to 36 months
  • The current ownership of the business should be more than 24 months
  • The business should not be owned by another business entity
  • The business should currently have less than $250,000 in loans with our bank
  • $150 annual fee
  • Variable rates
  • Unsecured

Businesses routinely need interim financing for short-term funding needs. 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:

  • Working capital
  • Accounts receivable
  • Inventory purchases
  • Marketing efforts
  • 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]

  • A loan amount between $5,000 to $175,000
  • A loan term up to 60 months
  • The current ownership of the business should be more than 24 months
  • The business should not be owned by another business entity
  • The business should currently have less than $250,000 in loans with our bank
  • $150 origination fee
  • Fixed rates
  • Secured with up to 100% financing

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 and refinancing equipment or technology
  • Purchasing and refinancing 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:

  • To be an authorized officer of the business
  • To be at least 18 years old
  • To be a business located in California
  • Your Tax Identification Number(s) (SSN / TIN)
  • An email address for all individuals with 20% ownership in the business
  • The revenue and income information of the business
  • The average balance in your business bank account(s)
  • The total debt and monthly debt payments for the business

 

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