California Bank & Trust (CB&T) is among the leading banks in California with over $10 billion in assets and branch offices located throughout the state. Starting as a group of individually-owned banks throughout the state, California Bank & Trust has helped Californians and their businesses grow and prosper for over 50 years. And we've grown with California; by combining the responsiveness of a local bank with the comprehensive services offered by major financial institutions.
As one of California's most seasoned commercial banking teams, the CB&T commercial Banking Group is comprised of senior commercial bankers who understand local and Pacific Rim business markets. Each banker is established in their respective local market and brings a wealth of resources, so you get the right solutions for your business to capitalize on growth opportunities. As well, a highly trained relationship manager will be with you every step of the way to help you take advantage of changes in the market.
CB&T offers a wide array of loans and lines of credit to meet the financing needs of your growing middle-market business. Let CB&T evaluate the merits of your current financing in light of today's challenging economic times so you can make the best decisions for your business.
Commercial Real Estate Financing
Our commercial real estate experts will be pleased to meet with you to discuss your unique requirements and help structure a transaction that makes the best sense for your next project or investment opportunity.
Owner Occupied Financing:
Conventional and SBA Financing Options
Whether purchasing or refinancing owner-occupied commercial real estate, California Bank & Trust is well known throughout the state for being a creative lender who can help you structure the right loan that meets your needs - whether you choose conventional or SBA financing.
Conventional Financing: For conventional financing, we can offer: Up to 25-year loan terms with amortization up to 25 years Competitive fixed and variable rates Balloon and non–balloon payment options Flexible prepayment programs.
SBA Financing If you qualify, SBA 7(a) or SBA 504 financing may offer you the opportunity to take advantage of: Up to 90% financing for up to $10 million (under SBA's 504 loan program) Loan terms up to 25 years Full amortization with no balloon payments (under SBA's 7(a) program and many SBA 504 loans) Reduced equity requirements – allowing you to keep more working capital working in your business.
As part of Zions Bancorporation, CB&T is a recognized leader in SBA 504 first mortgages in more than 100 industries – and is an SBA Preferred Lender.
Multi-Family & Commercial: Whether you need a construction loan, bridge loan, rehab loan, or permanent financing for up to $30 million, call on California Bank & Trust.
Residential Development: Call on our seasoned commercial real estate bankers for construction loans of up to $30 million to finance land acquisition, development, and construction of attached and detached residential projects.