Offering a wide variety of loan structures and terms, Bank of the Pacific has been providing banking solutions for businesses and farms for over 40 years. 

 

Business Loans

Business Lending normally encompasses loans $250,000 or less.

Your Business Lending Team members work with you to build a complete banking relationship, giving you a seamless integration between Retail, Business Capital and Business Real Estate loan products.  Even better, Bank of the Pacific is a designated SBA Lender to help you gain access to more loan options.

  • Inventory, Equipment and Working Capital loans
  • Commercial real estate
  • SBA Guaranteed Loans
  • Business VISA
  • Merchant Services
  • Cash Management/Treasury Management
Find a Business Lender at a location near you

 

Commercial Loans

Your commercial business loan offers a wide variety of structures and terms. Commercial Loans are normally greater than $250,000.00
  • Commercial real estate loans are available for both owner occupied properties, as well as investment real estate. Most of these transactions are booked for our own portfolio but we also have relationships with various conduit lenders for transactions best addressed by those products. 
  • Inventory, Equipment and Working Capital loans
  • Industrial revenue and municipal bond funding
  • Various government assisted financing programs including SBA 7A guarantee and 504 programs, and those of the USDA, Farm Service Agency, and the Export Finance Assistance Center of Washington

Rate options include various traditionally-indexed rates, both floating and fixed, and also interest rate swaps that enable us to fix real estate loans for periods of up to 30 years.

Local decision making - Over 75% of commercial credit decisions are made by local staff, in market. Even the largest transactions only require one approval authority beyond a local office.

Forecasting and historical financial review provided on an ongoing basis.

Find a Commercial Lender at a location near you

 

Business Visa

The Business Visa card is a great tool for keeping business purchases separate from personal spending.

 

Advantages of using a VISA Business Card include: 
  •  Earn one point for every net dollar spent
  •  All accrued points are redeemable for items such as brand-named merchandise, airline tickets, hotel accommodations, car rentals, cruises and other vacation packages
  • Travel rewards available without any blackout dates
  • No annual cap on points earned
  • EMV Chip Technology
  • Company name listed on each card
  • Set spending and cash withdrawal limits on each card
  • Obtain cash at thousands of ATMs
  • Cardholder Inquiry Service
  • Lost/Stolen Card Reporting
  • 24/7 Customer service 1-800-437-9392
  • 24/7 Online access to account management at mycardstatement.com
  • No Cost Travel accident insurance
  • Travel & Emergency Services
  • Prime Package includes $1,000.00 Identity Theft Reimbursement Insurance and Pharmacy Discounts  on prescriptions.

 

Using a card can be particularly valuable at tax time as all purchases are itemized on your monthly business checking account statement and available to view online.