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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

 

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.

 

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 One PacificCoast 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? 

Oakland

Dick Fletcher, Chief Lending Officer | rfletcher@beneficialstate.com | 510.550.8432

Portland

Randell Leach, Chief Credit Officer | rleach@beneficialstate.com | 503.200.5509

Sacramento

Lisa Stockert, VP Relationship Manager | lstockert@beneficialstate.com | 916.394.5342

Seattle

Jae Easterbrooks, VP Relationship Manager | easterbrooks@beneficialstate.com |
206-812-8891

 

 

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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