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