Business Lending
Business Loans

Lines of Credit are typically used to finance temporary cash shortfalls and for business expenses, such as seasonal gaps, inventory purchases or trade discounts and immediate asset purchases. The flexibility of a Line of Credit can maximize your business’ working capital and allow you to react quickly to opportunities.

We offer three small business loan products, Rapid Small Business, Small Business and Premium Small Business. To apply, please contact your Local Branch or Relationship Manager.

These products are designed to give you quick and flexible solutions to meet your small business credit needs.

  • Rapid Small Business - up to $2,500 for new business
  • Small Business - up to $25,000 for first year business
  • Premium Small Business - up to $50,000 for second year business

Additional Credit Line programs

  • Business - larger lines for established business
  • Asset-Based Lines of Credit

Rapid Line of Credit for Small Business $1,000 to $2,499

Quick and easy access to funds for your business, it’s great for new businesses and established ones alike that want a stress-free way to manage business expenses.

Features and Benefits

  • One page application
  • Unsecured line of credit
  • Revolving use of funds you control
  • Sweeps to your American River Bank business checking account

Requirements

  • Minimum six months in business
  • Minimum personal credit score of 660
  • Automatic payment from an American River Bank business checking account
  • Monthly payments are 2% of the outstanding balance plus interest

Small Business Line of Credit $2,500 to $24,999

Simple, quick and flexible, our Small Business Line of Credit unlocks access to the working capital you need to grow and manage your business successfully.

Features and Benefits

  • One page application and your most recently filed Federal Business Tax Return required
  • Unsecured line of credit
  • Revolving use of funds you control

Requirements

  • Minimum one (1) year in business and a personal credit score of 680 for up to $25,000
  • Profitable operations before depreciation & amortization*
  • Automatic payment from an American River Bank business checking account
  • Monthly payments are interest only
  • 30 day resting period required

Premium Small Business Line of Credit $25,000 to $50,000

Access the working capital you need to grow and manage your business with Premium Small Business Line of Credit.

Features and Benefits

  • One page application and your most recently filed Federal Business Tax Return required
  • Unsecured line of credit
  • Revolving use of funds you control
  • 12 month term

Requirements

  • Minimum personal credit score of 680
  • Minimum Business Experian Score of 20
  • Minimum two (2) years in business
  • Profitable operations before depreciation & amortization*
  • Automatic payment from an American River Bank business checking account
  • Monthly payments are interest only
  • 30 day resting period required

Business Line of Credit Over $50,000

The flexibility of a Line of Credit can maximize your business’ working capital and allow you to react quickly to opportunities.

Features and Benefits

  • Secured, collateralized and unsecured lines of credit available
  • Revolving use of funds you control
  • For businesses with sales volumes up to $50 million

Requirements

  • Minimum three (3) years in business
  • Profitable operations
  • American River Bank deposit relationship

Asset-Based Lines of Credit

Are you looking for the right formula for growth and profitability? An asset-based line of credit will allow your business to take advantage of growth opportunities and at the same time, relieve the pressure of meeting an "out-of-debt" period often required on traditional revolving lines of credit.

An Asset-Based Line works well for:

  • Wholesalers and Distributors
  • Manufacturers
  • Businesses with cash tied up in receivables and inventory

Features and Benefits

  • Access to a larger limit than a traditional line of credit
  • Revolving based on accounts receivable and inventory balances
  • Optional daily sweep arrangement reduces monthly interest costs
  • No ”out of debt” period required

Requirements

  • Minimum three (3) years in business
  • Profitable operations
  • American River Bank deposit relationship