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Looking for a business loan or have questions about our cash management solutions?
Small Business Line of Credit
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
Lines from $2,501 to $25,000
Unsecured line of credit*
Only a one page application and your most recently filed Federal Business Tax Return required
Revolving use of funds you control
Gross annual revenues of $1 million or less
Minimum 1 year in business and a personal credit score of 680 for up to $10,000
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
No contractors or real estate investors
Also created with the needs of small business owners in mind, our Rapid Line of Credit offers fast access to funds linked to your business checking account and can be used in conjunction with the Small Business Line to meet your business cash management needs. For those businesses with larger capital needs, the Premium Small Business Line of Credit offers up to $50,000.
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). *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 $50,000 per guarantor.
Contractors and building industry-related businesses are not eligible for this product.
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