Sign-up to receive our Business Strategies' Newsletter, occasional product updates or news alerts.
Looking for a business loan or have questions about our cash management solutions?
Premium Small Business Line of Credit
Our new Premium Small business Line of Credit unlocks access to the working capital you need to grow and manage your business successfully. Features and Benefits
Lines from $10,001 to $25,000
Unsecured line of credit
One business day approval
Only a one page application and your most recently filed Federal Business Tax Return required
Revolving use of funds you control
12 month term
Gross annual revenues $1 million or less
Minimum personal credit score of 680
Minimum Business Experian Score of 20
Minimum 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
No contractors or real estate investors
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).
Also created with the needs of small business owners in mind, both our Rapid Line of Credit and Small Business Line of Credit offers fast access to funds linked to your business checking account and can be used in conjunction with the Premium Small Business Line of Credit to meet your business cash management needs. Read More>> *NO FORECLOSURES, SHORT SALES OR OUTSTANDING LIENS. A GUARANTEE FROM BUSINESS OWNERS WITH 20% OR MORE OWNERSHIP REQUIRED. 80% OF THE OWNERSHIP GROUP REQUIRED TO GUARANTEE. COMBINED LIABILITY NOT TO EXCEED $25,000 PER GUARANTOR.
THIS IS NOT AN OFFER OR COMMITMENT to lend. RATES, TERMS AND CONDITIONS VARY AND MAY BE CHANGED WITHOUT NOTICE. ALL TRANSACTIONS ARE SUBJECT TO SUBMISSION OF A FORMAL APPLICATION, UNDERWRITING AND WRITTEN APPROVAL. APPROVAL TERMS MAY VARY.
American River Bank
American River Bank serves clients throughout Northern California, including Sacramento, Roseville, Santa Rosa, Healdsburg and Jackson (Greater Sacramento Area, Sonoma County, Amador County, San Francisco Bay Area - South Bay, North Bay, and East Bay).
Mailing Address P.O. Box 276300
Sacramento, CA 95827-6300