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Business Loans & Financing

The cornerstone of First National Bank of Southern California is our streamlined lending platform. With direct access to management for prompt decisions, an efficient underwriting process and tailored programs to fit your credit needs, FNBsocal is the logical choice for flexible and economical financing.

We offer the following competitive product lines

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Commercial Real Estate & Construction Loans

FNBsocal specializes in providing fixed and adjustable rate commercial financing on a variety of Commercial Real Estate including; retail, warehouse / industrial, multifamily, office, mixed-use and hospitality. FNBsocal also offers attractive loans for the construction or rehabilitation of commercial and residential properties. With flexible terms, competitive rates, interest-only payment options, and the possibility of transitioning to permanent financing once the property is stabilized, FNBsocal can provide comprehensive financial resources for your project to reach completion.

Lending Highlights


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Business Term Loans

Expand your business or consolidate debt with our Business Term loans. Term loans are perfect for all your more permanent business needs, including permanent working capital, equipment purchases, tenant improvements, and business expansion or acquisition. FNBsocal offers loans with a range of flexible terms and features specific to your financial situation while preserving your own funds.

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Business Lines of Credit

To give your business access to immediate cash whenever you need it, FNBsocal offers revolving lines of credit which are the perfect solution for a variety of short-term financing needs, including providing temporary working capital, purchasing inventory, materials, or equipment, and carrying accounts receivable. With a FNBsocal Business Line of Credit, your business will have the ability to utilize funds to cover your short-term needs without depleting cash on hand.


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SBA 504 and 7(a) Loans

Small Business Administration loans (SBA 7a and 504) are available to provide long-term financing for your business. Loans under this program are guaranteed by the federal government. SBA loans can offer advantages to small businesses through extended loan terms and competitive pricing for the purchase or refinance of multipurpose owner-user real property. First National Bank of Southern California is a participant in the SBA Preferred Lender Program (PLP)

Visit the U.S. Small Business Administration (SBA) website for more details.




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Effective December 14, 2018 FNBsocal will be


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