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Merchants Bank of Commerce
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Business Loans

Call today and ask to speak with one of our friendly and knowledgeable bankers.


All loans subject to credit approval.

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Business Lines of Credit

We understand that flexibility is key to businesses like yours. Our Business Lines of Credit allow you to borrow according to your needs, manage seasonal cash flow, or purchase materials or equipment. A line of credit allows you to react quickly to opportunities.

  • Revolving and non-revolving options
  • Secured and unsecured lines of credit
  • Anytime access to funds
  • Competitive rates and flexible payment options

A business line of credit gives your business access to cash, whenever you need it, up to a pre-specified amount. The main advantage is flexibility. Funds are always available when you need them, but you pay no interest until you draw on the line.

The line can be secured or unsecured, with multiple repayment options and a variable interest rate.

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Business Term Loans

Grow your business when you’re ready. Put funds to work quickly to expand your business. Longer-term loans help your business by providing funds for specific purposes.

  • Equipment loans (purchase or upgrade)
  • Vehicle loans
  • Business expansion loans
  • Business acquisition loans

A business term loan provides an immediate infusion of funds designated for a specific purpose. One-time expenditures or long-term funding needs can be financed by one of our secured loans.

Your loan may be secured by a general lien on business assets or by the specific asset you are financing, with a fixed or variable rate.

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Commercial Real Estate

Get your business facility off the ground with low-rate financing from Northern California’s most trusted name in commercial lending. With this loan, construct, purchase or refinance an owner-occupied business property, or expand or remodel an existing one.

  • Quick approvals
  • Competitive rates and flexible terms
Commercial real estate loans are best suited for a business looking for income-producing real estate that is used for business purposes such as office complexes, hotels and retail centers.
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Small Business Administration (SBA) Loans

We are committed to being a premier provider of small business financing under the United States SBA loan programs by recognizing the specific needs of the small businesses we serve.

  • Building purchase for owner-occupied commercial real estate
  • Construction for owner-occupied commercial real estate
  • Tenant improvements for your lease tenants needing to finance changes or install furniture, fixtures and equipment (FF&E)
  • Working capital for your lease and purchase clients needing extra funds after they close
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Business Credit Cards

Carry a credit card designed for YOUR business.

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:
  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Already have a credit card? Click below to log in to your existing account.

Subject to credit qualifications and approval.

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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