Financing your business operations or expansion plans locally, nationally, or worldwide requires long-term capital. That is why it pays to get all the facts about a term loan from California Bank & Trust. It is an ideal option for:

• Raising permanent working capital
• Refinancing existing debt
• Purchasing equipment or vehicles
• Funding growth opportunities, such as acquiring another business
• Financing commercial real estate purchases
• Or meeting other long–term capital needs

A key advantage with term loan[cite::108::cite] financing is the security of having a fixed repayment schedule and amount that affords your business greater security, predictability and solid financial planning. 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.

Financing fixed assets, equipment, vehicles and other major capital requirements with a term loan is an excellent solution, whether it’s for a new plant or to expand a fleet of trucks.  For these and other needs exceeding $100,000, our lending professionals can provide expertise on how best to use term loan financing to achieve your goals.

For borrowing needs under $100,000, you can get a same–day decision and next–day business funding[cite::109::cite], thanks to streamlined financing with our Business Access application only term loan. Whether it’s an equipment purchase, refinancing debt and a long-term capital commitment, we’re ready to expedite financing. To apply for a Business Access term loan, 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.

For short-term working capital needs, click here to learn about Business Lines of Credit.

For funding acquisitions or mergers with capital for stock purchase, stock exchange or cash transactions, click here to learn about Acquisition Financing.