Business and Commercial Loans
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Business and Commercial Loans *

Pacific Trust Bank provides financing to help small to medium sized companies and businesses. We lend to most forms of business entities, including corporations, partnerships, non-profits, and sole proprietorships. Our primary business lending area is throughout Southern California.

Business Credit Financial Solutions

If you're looking for ways to help your business operate and grow, Pacific Trust Bank has the credit solutions you need. We offer a wide variety of financial tools - from revolving credit lines for working capital, to loans for real estate, equipment and inventory. The business banking specialists at Pacific Trust Bank can help you take care of your business now and in the future.

Whatever your business financing needs, affordable credit solutions from Pacific Trust Bank can help you provide it.

Business Line - A revolving, unsecured credit line that provides ready access to cash you can use for various purposes - finance receivables, improve liquidity, or meet short-term cash needs - it's your choice. Convenient access via check, business checking account overdraft protection, and phone, mail, or in-person transfers. Choose between fixed or floating rate, and flexible payment options.

Commercial Real Estate Equity Credit Line - Put the equity in your owner-occupied commercial property to work for your business! Use an Equity Credit Line to purchase, refinance, remodel, or for any general business purpose. Convenient access via check, business checking account overdraft protection, and phone, mail, or in-person transfers.

Term Loan - A fixed rate, fully amortized loan for longer-term financing needs such as for new equipment or facility expansion. Secured by eligible business assets. Choose from flexible payment and amortization options.

Real Estate Loans - We offer flexible solutions for business real estate financing needs. Can be used to purchase, refinance, or remodel owner-occupied commercial properties or multi-family investment properties. Choose from flexible amortization and payment terms, as well as permanent or construction/permanent options with a single closing process. Secured by owner-occupied commercial property to 75% of value.

Pacific Trust Credit Sweep - The Pacific Trust Credit Sweep for small businesses is a cost effective and efficient money management service that automatically transfers, or sweeps, cash between your Pacific Trust line of credit and your checking account.

Pacific Trust calculates the amount of collected funds in your checking account after all debits and credits have posted each day. Funds are automatically transferred to or from your line of credit to reach your pre-determined target balance. You’ll receive a daily notice of advance or payment, containing daily transfer details and updated line of credit balances.

What are the benefits of Pacific Trust Credit Sweep?

Saves time and effort—funds are swept automatically
Excess cash can be used to pay down balances on your line of credit
Funds from the line of credit can be transferred to avoid overdraft and negative collected fees
To apply for Pacific Trust Credit Sweep, visit your nearest Pacific Trust Banking Center.

Letters of Credit - A Pacific Trust Bank Letter of Credit can help your business secure the purchase of goods on a domestic or international level. Our lending professionals will help you structure your trade transactions to avoid the discrepancies and inconsistencies that can cause costs, delays and potential loss of business.

Applying for a Pacific Trust Bank Business Credit Solution

Visit your nearest Pacific Trust Bank location, or call 1-877-441-BANK today to get our latest interest rates, and discover how the local financial professionals at Pacific Trust Bank provide the service, expert advice, and fast decisions you need.

*Additional disclosures will be provided at account opening. All credit products subject to qualification. Property insurance, flood hazard insurance, appraisal or other requirements may apply.

Come in to any Pacific Trust Bank office or call us at (877) 441-Bank for more information about our products and services, and to discuss you business banking needs

Many consumers are worried that personal financial information they may submit over the Internet could be intercepted by hackers and used for Identity Theft and fraud. You can avoid that possibility by using our convenient Adobe Acrobat Reader® online loan application form. You can complete the Acrobat Reader loan application form online, print the completed form, then sign and mail or fax the form to us. None of your personal financial information will be transmitted over the Internet.If you prefer, you can print a blank copy of the consumer or home equity loan application form, and complete it at your convenience. Blank Real Estate Loan Applications must be printed and completed ONLINE.
Important Information About Procedures for
Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.To apply for a loan, click on the loan application form link below that applies to the type of loan program you are requesting.www.pacifictrustbank.com
For all consumer loan programs, including Overdraft Line of Credit Loans. For Home Equity Line of Credit and 2nd mortgage equity loan programs. For Green Account & all other real estate loan programs, including fixed and adjustable-rate 1st mortgage home loans.
Please follow these steps:
Click on the link to open the appropriate Loan Application Form.
Complete the form online.
You can save the application form Acrobat Reader file, but you cannot save any of your input data.
You can delete all of the data you have input at any time by pressing the Reset Form button.
A "Print Form" button is located at the bottom of the application form. Print a copy the completed form; or you can print a blank copy of the form.
Sign and date your completed loan application form.
You can either mail or fax your loan application to us.
Fax your completed loan application to us at: (619) 420-8462 .Mail you completed loan application to:Pacific Trust Bank
Lending Department
P. O. Box 5227
port- novo, Vista, CA 91912-5227After we have received your completed form, our loan specialists will review your loan request and get back to you within one business day. If you have any questions about completing your loan application or regarding any of Pacific Trust Bank's loan programs, please call our loan specialists during business hours at 1 (877) 441-BANK, extension 4324, or e-mail us at pacifictrustbank@in.com