Explore Business Loans and Lines of Credit

Is your business bursting at the seams? Are you ready to bring in equipment or more inventory? If you’re gaining traction with your business but need help getting to the next level, a bank loan or line of credit may be an option that can enable you to grow.

What do you need for a bank loan?

Different types of loans have different requirements, but having the following helps when applying for a loan or line of credit from Bank of the West:

In business for at least 2 years (with the exception of medical startups)

In business for at least 2 years
(with the exception of medical startups)

FICO® Score of 680 or higher

FICO® Score of 680 or higher

Personal and business tax returns

Personal and business tax returns, including interim financial statements, for at least the past 2 years

There are a variety of loan options, but what’s right for you?

What you need money for and when you need it are two questions that will help determine what kind of loan or line of credit would be best for you. Your particular business situation also plays a role. That’s why it helps to talk with a business banker, who can go over pros and cons of different solutions and tell you if there are ways to minimize fees, get rate reductions and prepare for the future growth of your business.

Business loans

These loans provide a lump sum of money that you pay back with interest over time.

Small Business Administration (SBA) loans1

SBA loans are intended to help business owners who don’t have the stronger track record or credit history required for other business loans. The SBA will cover a large part of a loan if a business owner can’t pay all of it back.


  • Lower down payments
  • Longer terms
  • Higher loan amounts

Business and equipment loans

With a strong credit history and a record of profitability, you can consider a loan to help you expand, improve your property, buy equipment or restructure business debt.


  • Amounts from $10,000 to $750,000
  • Terms up to 7 years
  • Fixed or variable interest rate
  • Streamlined process for applications up to $100,000

Practice finance term loans2

These loans can help you buy—or buy into—an existing medical, veterinary or dental practice. Or use them to expand your practice, add a location, buy equipment or refinance debt.


  • Amounts up to $1,000,000
  • Terms up to 10 years
  • Fixed interest rate
  • No down payment required

Commercial real estate loans

If you want to buy or refinance commercial property, and your business is actively using at least 51% of the property, you can consider a commercial real estate loan.


  • Amounts from $50,000 to $2,500,000
  • Fixed or variable interest rate
  • Discounted interest rate if you choose an automatic payment option

Lines Of Credit

Lines of Credit

Business lines of credit are good for shorter-term money needs and borrowing only what you need when you need it.

Business lines of credit

A business line of credit can be faster and easier to get. It can help you do things like manage cash flow, purchase inventory or finance accounts receivable. It can also be helpful for carrying you through a slow season or giving you flexibility to jump on an opportunity you’ve had your eye on, such as commercial property, when it becomes available.

  • Amounts from $26,000 to $750,000
  • Rapid access to funds

Flex line to term loan

Our flex line to term loan starts as a line of credit with interest-only payments and ends as a loan with principal plus interest payments. It can help you finance large purchases, strengthen your negotiating power (because you'll know you have approved financing) and minimize your interest costs.

  • Amounts from $10,000 to $750,000
  • Fixed or variable interest rate
  • No closing costs
  • Discounted interest rate if you choose an automatic payment option

Small Business Express Lending

Fast, easy, anytime, click the link for funding options under $100,000 upon approval, with access to funds in as little as 2 business days.

Small Business Express Lending


Bank of the West SBA 7(a) Loan Offers for Entrepreneurs

Bank of the West offers SBA 7(a) loans from $50,000 to $5 million

Get the funds to expand your business, buy out a partner, purchase commercial property, build a new facility, upgrade equipment, and more.

Request a Call

Curious about non-bank funding sources?

Talk with Working Solutions about your financing needs, and they can help you with the next step. Working Solutions is a nonprofit specializing in startup and early-stage financing for Bay Area entrepreneurs.

Connect with Working Solutions

Not quite ready for a bank loan?

Qualifying for seed capital and even microloans usually requires excellent business credit. Start building credit early and keep an eye on it as you grow. Learn more about credit best practices in Building Business Credit


Loans and lines of credit are subject to credit approval and for business purposes only. Terms, conditions, fees and other restrictions may apply.