Thank you for visiting American River Bank. Please note this site is not fully compatible with screen readers.  We are available from 9am-5pm to assist via telephone at (800) 544-0545 or via email at clientservices@americanriverbank.com. We look forward to serving you.

Commercial Real Estate Lending

Whether you're a seasoned developer, investor or just a business or non-profit that wants to stop pouring money into rental payments, we have the right solutions for you to purchase, refinance, improve or build your projects.


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Features and Benefits
  • Competitive Rates
  • Owner Occupied or Investor
  • Industrial, General or Medical Office, Multi-family, Mixed-Use, Retail, or Single Purpose Property Types.
  • Loan purposes include Acquisition, Refinance, Construction, Development, Renovations and Tenant Improvements
  • Both Term and Bridge Financing options available
  • Both Conventional and lower down payment SBA 504 loan programs available
  • Terms up to 10 years and up to 25 year amortization available for mini-perms. 
  • P&I payments (30 years for qualifying multi-family properties)
  • 10-year fixed rate loan program available with amortization up to 25 years (LTV up to 75% for owner occupants and 70% for investor) 

Lending Area
American River Bank serves clients throughout Northern California, including Sacramento, Roseville, Santa Rosa, Healdsburg, Jackson, Pleasanton and San Jose (Greater Sacramento Area, Sonoma County, Amador County, San Francisco Bay Area - South Bay, North Bay, and East Bay).


THIS IS NOT AN OFFER OR COMMITMENT. RATES, TERMS AND CONDITIONS VARY BASED ON PROPERTY TYPE/USE AND MAY BE CHANGED WITHOUT NOTICE. ALL TRANSACTIONS ARE SUBJECT TO SUBMISSION OF A FORMAL APPLICATION, UNDERWRITING AND WRITTEN APPROVAL. APPROVAL TERMS MAY VARY.