Business Loans | Personal Loans

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

Personal Lending

Consumer Loans
We can help with mortgages, car loans, personal loans and consolidation loans. We add our personal touch to provide the level of service you expect from your community bank.

Home Mortgages
We offer special real estate loans that can assist you with your real estate purchase or refinance. Our lending program is designed to finance both conventional and unique loans, those that do not quite fit traditional real estate loan programs. If you are seeking a real estate loan to fit your specific needs, we can help.

For more information, prequalification calculators and an online application, visit our Home Loan Center.

We also offer Equity Lines of Credit and Construction Loans. Call us for more information and we will work together to tailor a loan to meet your specific needs.

Equity Lines of Credit
Our Equity Lines of Credit are custom fitted to your needs. If you need money for education costs, home repairs, remodeling, even a wedding, our Equity Line of Credit may be the solution. We make the process simple and convenient.

• Low fees
• Competitive rates
• Attractive terms

Construction Loans
We will help you realize your dream house. Our construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.

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