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.

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 Apply Online
  • Lines from $2,501 to $10,000
  • 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

Requirements
  • Gross annual revenues less than $1 million
  • 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 $25,000.
 

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).
 
*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.

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.