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Clean Tech, Green Energy and Green Chemistry

Demand for basic necessities by 7 billion people has put undeniable pressure on natural resources worldwide, especially those that are finite and non-renewable.  Energy, water and landfill should become more expensive as ecological limits are reached and as regulatory and citizen action increase. New approaches to producing energy, using water and minimizing Clean Tech-Green Chemistry-Green Energypollution and waste should eventually dominate old ones, taking market share and in turn reinforcing those more sustainable practices. 

We target clean tech -- those technologies that optimize resource use for business and government -- and green chemistry -- those approaches to products that rely on natural compounds to avoid toxins and  pollution -- and clean energy -- energy derived from renewable sources that remedy or eliminate pollution -- in recognition of the need for financing to rationalize societal resource use.

We want to lend into this virtuous cycle as much as we prudently can but, given the preponderance of new technologies and start-up organizations, financing in the early stages is tricky for a bank. Lack of track record, reliance on pro forma financials, and uncertain or low collateral values are just some of the obstacles.  Many government provided credit enhancements, tax credits, and investment subsidies, which helped overcome those obstacles, are drying up. We will have to apply credit where our underwriting standards dictate. So far, bio-gas digesters, irrigation stream small turbines, and other new energy models have supplied good opportunities for a bank like ours but we need to look for more carefully.

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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