commercial lending

New Resource loans provide working capital and funding for new equipment, energy upgrades and green construction. Our resourceful bankers have deep expertise in sustainable business—they know how to navigate challenges ranging from complex renewable energy agreements to the growing pains of businesses charting new paths.

We work with a range of California businesses—not just inherently green companies—but we need to know that you have a commitment to sustainable business practices. All commercial loan applicants complete our Sustainability Assessment, which gives us a picture of your current sustainability level and shows us how we can help you progress along the sustainability spectrum.

We use the assessment to evaluate loan applicants, and while no minimum score is required, we lend only to businesses that commit to improving the sustainability of their operations.

Commercial lending products

Asset-based lending

A full suite of business lending solutions to help your business grow, including formula-based revolving lines of credit and term financing on fixed assets and real estate.

Commercial lines of credit

Working capital lines to fund accounts receivable and inventory, typically over $250,000.

Commercial term loans

Loans to fund purchases of equipment, vehicles and other fixed assets. Term loans can also finance projects or succession planning.

Real estate acquisition and refinance loans

Short- to medium-term loans to support commercial real estate purchases and rehabilitation, including green upgrades such as energy retrofits.

Real estate construction loans

Loans for owner/users, investors and developers to fund green building projects.

Renewable energy project financing

Funding for the purchase and installation of renewable energy components of commercial development projects.

U.S. government-guaranteed loan programs

Small Business Administration (SBA) and other federally guaranteed loans and lines of credit to help small businesses expand, purchase equipment or increase working capital. SBA 504 loans finance the purchase or construction of owner-occupied commercial properties. The guarantees allow for less equity contribution and longer loan terms.

Letters of credit

Commercial letters of credit to facilitate trading activity between businesses (especially international transactions) and standby letters of credit to assure others that your business will meet its contractual obligations.

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