Lines of credit
Revolving working capital up to $250,000 for receivables, inventory and payroll timing.
Capital for the work in front of you
Lines of credit, equipment financing, owner occupied real estate and SBA loans underwritten by people who can read a contract and a cash flow statement.
Commercial lending
A clear service, delivered by bankers
We lend to operating businesses with a clear use of funds, a credible repayment source and a banker who will stay with the relationship after closing.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Talk to a lenderBusiness Line of Credit from 8.99% APR · SBA 7(a) Loan from 9.25% APR. Rates are variable and subject to credit approval. Terms and fees are disclosed in the commitment letter.
The service
What is available
Secured loans
Term loans against eligible collateral, with a fixed amortization schedule.
Equipment financing
Fund a specific machine, vehicle or system over its useful life.
Owner-occupied real estate
Purchase, refinance or improve the premises the business occupies.
SBA 7(a)
Government-guaranteed lending for working capital, equipment and acquisition.
Letters of credit
Trade and performance instruments delivered through our correspondent network.
How underwriting works
A banker reviews the request, the financial statements and the collateral before it goes to credit. Most decisions are made by a small committee that can explain the answer in plain language.
- Two most recent fiscal year returns
- Interim financial statements
- Debt schedule and owner personal financial statement
- Clear description of the use of funds
What we do not do
We do not lend on speculative real estate development, start ups without a revenue history or consumer purposes disguised as business debt. If we cannot help, we say so early and explain why.
Related services
Where this connects
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.