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Business Loans & Lines of Credit

Business Loan Types

We offer tailored financing for all types of commercial properties. Our commercial real estate products include:

  • Acquisition and refinancing of owner-occupied and non-owner-occupied investment properties
  • Interim and long-term real estate financing
  • Neighborhood stabilization financing

Learn more about our commercial loans.

Get Started

Commercial Loan Application | Business Debt Schedule

Personal Financial Statement


Term Loans

Beneficial State Bank offers several ways to help your company meet its long-term goals. Our business term loans may be used to finance:

  • Equipment and other capital expenditures
  • Tenant improvements
  • Business expansion
  • New business acquisitions
  • Other long-term projects

Get Started

Commercial Loan Application | Business Debt Schedule

Personal Financial Statement


Business Builder Loans

We offer a Business Builder Loan to assist organizations with:

  • Purchasing equipment
  • Financing inventory and accounts receivable
  • Repaying high interest rate business related debt
  • Business purpose tenant improvements
  • No personal related debt repayment allowed

Learn more about our Builder Loans

Get Started

Business Builder Loan Application (PDF)

Lines of Credit

We offer two ways for your business to take advantage of short-term opportunities as they arise:
  • Our revolving lines of credit finance your short-term working capital needs.
  • Our non-revolving lines of credit let your business borrow funds disbursed over a period of time; once the project is complete, the line converts to a term loan.

Get Started

Commercial Loan Application | Business Debt Schedule

Personal Financial Statement


SBA and USDA Guaranteed Loans

As a national preferred SBA lender, Beneficial State Bank makes getting an SBA loan fast and easy. Choose from one of the many business financing solutions offered by Beneficial State Bank and the Small Business Administration (SBA) or the United States Department of Agriculture (USDA).

These programs can help your small business grow with favorable and flexible terms and competitive loan rates.We offer four options:

  • SBA Express
  • SBA 7(a) Loan
  • SBA 504 Loan
  • USDA Business & Industry

Contact us to find out which loan is best for you!


Have questions? 


Dick Fletcher, Chief Lending Officer | | 510.550.8432


Randell Leach, Regional President | | 503.200.5509


Dick Fletcher, Chief Lending Officer |  | 510.550.8432


Jae Easterbrooks, VP Relationship Manager | | 206-812-8891

Santa Rosa

Scott Affens, SVP Multifamily Division Head | 

Brian Rose, VP Relationship Manager | 


Our Philosophy

Beneficial-Banking-Directional-Street-Sign-One-PacificCoast-BankOur profits, when distributed, can only be distributed to our Foundation to support our community and environment. We believe this innovative structure will allow us to achieve our vision of Beneficial Banking.

Our Customers

Customer-Ecologic-Bottle-One-PacificCoast-BankWe strive to provide capital to businesses & nonprofits that produce meaningful social justice and environmental outcomes. Learn more about our customers here!

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