Local Business Lending

Ojai Community Bank understands the Ventura County market. Our experienced Lending Officers work closely with its borrowers to understand the uniqueness of each client. This attention to customer detail helps us to better tailor loans to fit the customer’s specific needs. The Bank’s local decision-making process provides the necessary formula for extending unrivaled customer service.

Commercial Real Estate Loans
We provide loans for the purchase or refinance of various types of commercial real estate; Mixed-use, retail, office, light industrial, commercial, and mixed-use for owner use or investment. We make the loan process easy and convenient.

• Purchase or refinance
• Owner-user or investment
• Fixed or floating interest rate
• 25-year amortization
• Up to 10-year term

Business Lines of Credit – Equipment Financing – Working Capital Loans – Letters of Credit
We offer competitive rates and terms on our business loans that are tailored to meet your specific needs. Lines of credit for temporary cash to support your operation; equipment financing for new or replacement assets; working capital loans for long-term use or business expansion; and letters of credit for your domestic or international transactions.

Construction Loans
We help you to realize your company’s expansion; a new warehouse, offices or your own home. Our construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.

• Up to 18 month term
• Competitive rates and fees
• Up to 65-70% advance

We are happy to visit you in your office or our nearest branch. Feel free to call or email info@ojaicommunitybank.com. We are here to partner in solutions.

Michele Henson 633-2440