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Business Lending


Beneficial Ownership? You need to complete this form whenever you open a new business account with us.

Contact us if you have any questions about our product line.

 

Line of Credit

A Line of Credit loan offers a fixed maximum loan amount and is repaid typically within one year, with renewal options available. Make payments or advance funds on-line, by telephone or in person.

SBA Loans

As a Preferred SBA Lender, Summit State Bank offers SBA loans for almost any business purpose including real estate purchases, construction, acquisition and expansion, refinancing existing debt, and working capital.

Construction and Commercial Real Estate Loans

Term real estate financing is available for property acquisitions, existing real estate refinancing, construction and project development. Construction financing available for both owner-occupied and speculative projects.

Term Financing - Permanent Working Capital Loans

Using term financing, you can expand long-term working capital, complete tenant or leasehold improvements, refinance existing debt and finance corporate acquisition activities. Based on the type of financing requested, terms and conditions vary.

Equipment Loans

Increase your capacity or update your facility through new equipment financing. Processing equipment, medical apparatus, transportation, and interior fixtures can reduce costs, while adding new capabilities and sources of revenue for your business.

Letters of Credit

Summit State Bank may issue a letter of credit on your behalf guaranteeing payment to your existing or prospective vendors. Identify improved sources of materials, expand your product lines or reach better volume discount levels. Terms and conditions are based on amount and use.

Small Business Lending Program

Your business is unique and so are your lending needs. At Summit State Bank, we take the time to get to know our customers and find solutions specific to your business needs.

 

Nonprofit Partner Program:


Designed for 501(c) tax-exempt organizations to enhance fundraising efforts and maximize organization’s money.

Non-interest bearing operating accounts: Earn 0.95% on non-interest bearing operating accounts. Analyzed business accounts are included. For example, a $100,000 average Summit account balance would receive a $950 annual contribution.

Interest-bearing accounts: Earn 0.25% on your interest-bearing Summit savings, money market and demand deposit accounts. For example, a $100,000 average Summit account balance would receive a $250 annual contribution.

Insured Cash Sweep (ICS): Earn 0.65% on non-interest bearing operating account or 0.15% for an interest-bearing account.

Download our Nonprofit Partner Program Handout

 

 

Summit State Bank - A Better Sonoma County. That's Our Business. Member FDIC

FDIC - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Phone:

(707) 568-6000

Email:

info@summitstatebank.com

Address:

500 Bicentennial Way
Santa Rosa, CA 95403

 

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Equal Housing Lender

Routing Number: 321181307

NMLS ID: 451741

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