From time to time, most businesses need interim financing to fund short-term working capital needs associated with:

• Accounts receivable
  
• Inventory
• Taking trade discounts
• Seasonal shortfalls
• And other short-term needs

With a line of credit[cite::108::cite] from California Bank & Trust, you can easily finance all your short-term working capital needs at competitive rates and terms. Our highly-trained business and commercial bankers have expertise in a wide variety of industries and will sit down with you to discuss specific needs, market conditions, and how best to capitalize on growth opportunities.

For financing needs over $50,000, we’ll work with you to customize a line of credit that addresses your specific needs and helps you achieve your strategic goals. 

For borrowing needs under $50,000, get a same-day decision and next-day business funding[cite::109::cite] with our Business Access application only line of credit. This option can provide overdraft protection for your CB&T business deposit account and is easily managed through online banking. To apply for a Business Access line of credit, simply download the Business Access Application and complete, print and sign it.  Then return it to a branch near you or contact a local banker at (800) 355-0507.

Learn about Asset-Based Financing that allows you to leverage company assets and extend your organization’s borrowing ability for greater financing flexibility.

Learn about Term Loans to finance fixed assets, equipment, vehicles, owner user commercial property and other long-term capital needs.