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Commercial Banking with Union Bank®

Commercial banking made seamless with Union Bank

A comprehensive approach, combined with exceptional service, and a full suite of Commercial banking solutions

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Customized solutions for all stages of your company’s growth

Whether your company has a need for short-term capital, advisory or financial solutions – or wants to talk about how industry trends may impact your business – the talented team of Union Bank Commercial banking professionals is committed to addressing the unique needs of your company at every stage of its evolution.
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HOW MANY YEARS?
155+
We've been building lasting and trusted middle-market banking client relationships for over 150 years.
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Commercial Insights & Business Resources

Stay on top of growth strategies, specialized lending options, fraud prevention strategies and more.

Industry Specialization

Approximately 50% of our lending commitments come from industry specialties outside general industries, including healthcare and life sciences, technology, nonprofit, agriculture, and the wine industry, among others. This depth and breadth of specialization allows us to provide clients solutions to help ensure growth goals are met, stay on top of industry trends, and manage the regulatory complexities owners may face within their industries.

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Equity Sponsor Finance

The Equity Sponsor Finance Group at Union Bank has a proven track record in providing senior debt financing  and capital market capabilities  for middle-market businesses across all industries.

Key highlights of our capabilities include:

  • More than $1.5 billion in commitments
  • Over 50 sponsor-backed financings
  • Closed deals with over 35 different sponsors
  • Generalist approach with select industry specialization in business services, consumer, food & beverage, healthcare, industrials, technology, and more

For more information regarding our Equity Sponsor Finance capabilities, contact Adam Feit, Head of Specialized Industries, at 213-236-4182.

Financial solutions to move your business forward

Loans & Lines of Credit

Commercial Real Estate Lending

Capital Markets

Treasury and Investment Services

Global Solutions

Treasury Management

Investment Solutions

Commercial Banking Services

Commercial Banking Services

The Commercial Banking group at Union Bank® is committed to providing outstanding customer service with a seasoned and knowledgeable leadership team, officers and support staff. We follow a mandate to conduct ourselves with honesty, the highest ethical standards, and to build lasting, trusted client relationships.  We work closely with you to assess your business's unique situation to develop a customized strategy and implement a holistic set of solutions that cover every aspect of your finances — from improving cash flow and financing expansion to providing financing for leveraged buyouts and recapitalizations by financial sponsors. We are uniquely positioned to provide deep industry and subject matter knowledge across a variety of sectors — from Small Business Administration (SBA) and government lending to sponsor finance and industry-specific lending specialists.

We offer a wide array of financing solutions

  • Real Estate Investor Mortgages: Programs tailored to meet the needs of mortgage brokers and investors. Union Bank has competitive programs for loans up to $10 million. For loans greater than $10 million, talk to your senior loan officer.
    • Financing Features for Loans Between $1,000,000 and $10 Million
      • High level of execution certainty
      • Par pricing
      • No-cost 90-day rate locks if loan funds or is denied
      • Referral fee for properly licensed parties
    • Property Types
      • Apartments and manufactured housing communities
      • Retail
      • Industrial complexes
      • Office and Medical Office
    • Closing costs capped as low as $2,000 for apartment and manufactured housing community loans
      • Union Bank offers a variety of capped closing costs, including appraisal, loan processing fees, and credit reports, that may be eligible under certain premium programs. Click here to find out which closing costs are eligible or not-eligible
    • Get Started Now
  • Owner-occupied Commercial Real Estate Loans: Financing for owner-occupants looking to refinance or purchase their commercial property or free up excess cash.
  • Construction and Interim Financing: Flexible financing structures for premier developers across the country.
  • Institutional Markets: Customized financial solutions for investors, developers, fund managers, and real estate investment trusts (REITs) throughout the U.S.
  • Affordable Housing: A proven track record and broad capabilities to support the growth of affordable housing.
  • Capital Markets Capabilities: Access to the debt and equities securities experience of our affiliate, MUFG Securities Americas Inc.

Please see the following information regarding where to send Request for Payoff Demands

Email:
CLDMP@unionbank.com (Preferred)

or

US Postal:
MUFG Union Bank, N.A.
PO Box 65168 Phoenix AZ 85082-5168
Attn: Collateral Control

Investment Banking and Advisory Services through our Subsidiary, Intrepid Investment Bankers

Union Bank and Intrepid have joined forces to provide best-in-class, comprehensive financial solutions that cover every aspect of your organization’s financial goals — from financing operations to expanding through acquisitions and pursuing shareholder liquidity.

Founded in 2010, Intrepid has built a reputation for guiding clients through value-defining events throughout the life cycle of their company, including:

  • Mergers and acquisitions
  • Realizing partial or full shareholder liquidity
  • Raising capital
  • Business succession planning

Intrepid embraces teamwork, tenacity, and creativity and is dedicated to delivering results through skillful positioning and relentless execution in a variety of industry sectors, including life-style and direct to consumer brands, beauty and personal care, healthcare, software and services, commercial and consumer technology, digital media, industrials, and business services.

The addition of this expanded expertise further strengthens our ability to help you set priorities that can position your business to maximize future value.

Union Bank is closely aligned with industry events that impact the commercial lending landscape and focused on providing transparency and clarity around these events to our clients. 

 A major change currently in progress is the transition of the London-Interbank Offer Rate (LIBOR) benchmark index to new alternative reference rates.

LIBOR has been a long-standing index for financial transactions and is currently the most commonly used variable interest rate index for short-term interest rates, business loans, variable-rate loans, financial derivative contracts, and other commercial lending products.

New LIBOR originations have been phased out as of December 31, 2021. A final cessation date is set for June 30, 2023. The shift to alternative benchmark interest rates is well underway, and Union Bank is prepared to help you navigate through these changes.

Please note that Union Bank is not providing any legal, financial, accounting , tax or investment advice as it relates to the LIBOR Transition changes. Clients should consult their own advisors to make these decisions.

 

Visit our LIBOR Transition page to learn more.

A Union Bank escrow professional can be your agent – a trusted neutral third party – in escrow transactions.

Accurate, Secure, and Timely Processing for Escrows

As your escrow agent, our team follows the details of your business transaction and performs our duties with precision and accuracy, including:

  • Receipt and distribution of funds
  • 1099 Tax reporting
  • Administering your account per the terms of the escrow agreement

Escrow Support

MUFG Union Bank, N.A., a member of MUFG, a global financial group, provides escrow services to meet the needs of a wide variety of business ventures:

  • Acquisitions/mergers
  • Bankruptcy
  • Contractor retentions
  • Construction/project finance
  • Good faith deposits
  • Litigation settlements
  • Real estate transactions
  • Qualified settlement funds
  • Subscription transactions
  • Vendor/purchase agreements
  • Entertainment industry transactions, including: 
    • Artist performance
    • Director retention
    • Collection

Our extensive knowledge of the industry enables us to streamline our administration of the complex flow of payments and documentation review necessary for the success of your financings. 

Comprehensive Range of Services

  • Security Agent
  • Escrow Agent
  • Account Bank
  • Depositary Bank
  • Securities Intermediary
  • Information Agent

A Full-Service Provider

As an independent provider with the requisite knowledge to understand the uniqueness of each deal structure, you may confidently rely on us to:

  • Thoroughly understand the terms of your deal and its documentation for a full understanding of the roles and responsibilities of all parties
  • Understand the significance of parties’ adherence to the terms and conditions of governing documents
  • Monitor document milestones, trigger events, force majeure, debt service coverage ratios, and minimum balance requirements, among others
  • Maintain requisite account balances, monitor permitted investment requirements, and manage foreign exchange requirements
  • Maintain the required priority waterfall
  • Transfer funds on a timely basis

Integrated Platform Solutions for Liquidity Management

Maintain your portfolio’s daily liquidity requirements, earn competitive yields, manage diversification, and save administrative time with MoneyPort, our institutional liquidity custody platform.

We provide comprehensive custody solutions to organizations for assisting with liquidity needs. Our streamlined interface is designed with institutional investors in mind, and features:

  • A simplified way to transact your money market mutual funds, ultra short bond funds,  and deposit accounts
  • Comprehensive library of fund information
  • Downloadable asset and transaction reports
  • A single User ID for all your accounts
  • Flexible investment compliance module
  • Risk mitigation through dual-authorization trading
  • Ability to:
    • Analyze underlying fund holdings
    • View account statements through Online Trust & Custody
    • Compare hypothetical portfolios to current portfolio holdings
    • Process future-dated trades
    • Select data points and thresholds to receive a summary of alerts by email
    • Track daily fund performance

Service and Experience

Commercial Banking Services

The Commercial Banking group at Union Bank® is committed to providing outstanding customer service with a seasoned and knowledgeable leadership team, officers and support staff. We follow a mandate to conduct ourselves with honesty, the highest ethical standards, and to build lasting, trusted client relationships.  We work closely with you to assess your business's unique situation to develop a customized strategy and implement a holistic set of solutions that cover every aspect of your finances — from improving cash flow and financing expansion to providing financing for leveraged buyouts and recapitalizations by financial sponsors. We are uniquely positioned to provide deep industry and subject matter knowledge across a variety of sectors — from Small Business Administration (SBA) and government lending to sponsor finance and industry-specific lending specialists.

Commercial Real Estate Financing For Investors

We offer a wide array of financing solutions

  • Real Estate Investor Mortgages: Programs tailored to meet the needs of mortgage brokers and investors. Union Bank has competitive programs for loans up to $10 million. For loans greater than $10 million, talk to your senior loan officer.
    • Financing Features for Loans Between $1,000,000 and $10 Million
      • High level of execution certainty
      • Par pricing
      • No-cost 90-day rate locks if loan funds or is denied
      • Referral fee for properly licensed parties
    • Property Types
      • Apartments and manufactured housing communities
      • Retail
      • Industrial complexes
      • Office and Medical Office
    • Closing costs capped as low as $2,000 for apartment and manufactured housing community loans
      • Union Bank offers a variety of capped closing costs, including appraisal, loan processing fees, and credit reports, that may be eligible under certain premium programs. Click here to find out which closing costs are eligible or not-eligible
    • Get Started Now
  • Owner-occupied Commercial Real Estate Loans: Financing for owner-occupants looking to refinance or purchase their commercial property or free up excess cash.
  • Construction and Interim Financing: Flexible financing structures for premier developers across the country.
  • Institutional Markets: Customized financial solutions for investors, developers, fund managers, and real estate investment trusts (REITs) throughout the U.S.
  • Affordable Housing: A proven track record and broad capabilities to support the growth of affordable housing.
  • Capital Markets Capabilities: Access to the debt and equities securities experience of our affiliate, MUFG Securities Americas Inc.

Please see the following information regarding where to send Request for Payoff Demands

Email:
CLDMP@unionbank.com (Preferred)

or

US Postal:
MUFG Union Bank, N.A.
PO Box 65168 Phoenix AZ 85082-5168
Attn: Collateral Control

Intrepid Investment Bankers

Investment Banking and Advisory Services through our Subsidiary, Intrepid Investment Bankers

Union Bank and Intrepid have joined forces to provide best-in-class, comprehensive financial solutions that cover every aspect of your organization’s financial goals — from financing operations to expanding through acquisitions and pursuing shareholder liquidity.

Founded in 2010, Intrepid has built a reputation for guiding clients through value-defining events throughout the life cycle of their company, including:

  • Mergers and acquisitions
  • Realizing partial or full shareholder liquidity
  • Raising capital
  • Business succession planning

Intrepid embraces teamwork, tenacity, and creativity and is dedicated to delivering results through skillful positioning and relentless execution in a variety of industry sectors, including life-style and direct to consumer brands, beauty and personal care, healthcare, software and services, commercial and consumer technology, digital media, industrials, and business services.

The addition of this expanded expertise further strengthens our ability to help you set priorities that can position your business to maximize future value.

LIBOR Transition

Union Bank is closely aligned with industry events that impact the commercial lending landscape and focused on providing transparency and clarity around these events to our clients. 

 A major change currently in progress is the transition of the London-Interbank Offer Rate (LIBOR) benchmark index to new alternative reference rates.

LIBOR has been a long-standing index for financial transactions and is currently the most commonly used variable interest rate index for short-term interest rates, business loans, variable-rate loans, financial derivative contracts, and other commercial lending products.

New LIBOR originations have been phased out as of December 31, 2021. A final cessation date is set for June 30, 2023. The shift to alternative benchmark interest rates is well underway, and Union Bank is prepared to help you navigate through these changes.

Please note that Union Bank is not providing any legal, financial, accounting , tax or investment advice as it relates to the LIBOR Transition changes. Clients should consult their own advisors to make these decisions.

 

Visit our LIBOR Transition page to learn more.

Escrow Services

A Union Bank escrow professional can be your agent – a trusted neutral third party – in escrow transactions.

Accurate, Secure, and Timely Processing for Escrows

As your escrow agent, our team follows the details of your business transaction and performs our duties with precision and accuracy, including:

  • Receipt and distribution of funds
  • 1099 Tax reporting
  • Administering your account per the terms of the escrow agreement

Escrow Support

MUFG Union Bank, N.A., a member of MUFG, a global financial group, provides escrow services to meet the needs of a wide variety of business ventures:

  • Acquisitions/mergers
  • Bankruptcy
  • Contractor retentions
  • Construction/project finance
  • Good faith deposits
  • Litigation settlements
  • Real estate transactions
  • Qualified settlement funds
  • Subscription transactions
  • Vendor/purchase agreements
  • Entertainment industry transactions, including: 
    • Artist performance
    • Director retention
    • Collection

Project Finance & Agency Services

Our extensive knowledge of the industry enables us to streamline our administration of the complex flow of payments and documentation review necessary for the success of your financings. 

Comprehensive Range of Services

  • Security Agent
  • Escrow Agent
  • Account Bank
  • Depositary Bank
  • Securities Intermediary
  • Information Agent

A Full-Service Provider

As an independent provider with the requisite knowledge to understand the uniqueness of each deal structure, you may confidently rely on us to:

  • Thoroughly understand the terms of your deal and its documentation for a full understanding of the roles and responsibilities of all parties
  • Understand the significance of parties’ adherence to the terms and conditions of governing documents
  • Monitor document milestones, trigger events, force majeure, debt service coverage ratios, and minimum balance requirements, among others
  • Maintain requisite account balances, monitor permitted investment requirements, and manage foreign exchange requirements
  • Maintain the required priority waterfall
  • Transfer funds on a timely basis

MoneyPort

Integrated Platform Solutions for Liquidity Management

Maintain your portfolio’s daily liquidity requirements, earn competitive yields, manage diversification, and save administrative time with MoneyPort, our institutional liquidity custody platform.

We provide comprehensive custody solutions to organizations for assisting with liquidity needs. Our streamlined interface is designed with institutional investors in mind, and features:

  • A simplified way to transact your money market mutual funds, ultra short bond funds,  and deposit accounts
  • Comprehensive library of fund information
  • Downloadable asset and transaction reports
  • A single User ID for all your accounts
  • Flexible investment compliance module
  • Risk mitigation through dual-authorization trading
  • Ability to:
    • Analyze underlying fund holdings
    • View account statements through Online Trust & Custody
    • Compare hypothetical portfolios to current portfolio holdings
    • Process future-dated trades
    • Select data points and thresholds to receive a summary of alerts by email
    • Track daily fund performance

For more account information and terms and conditions governing our deposit accounts and transaction banking services, see our Business Accounts & Services and Transaction Banking Service Disclosure and Agreement.

Investment management services offered by HighMark Capital Management, Inc., an SEC-registered investment adviser and subsidiary of MUFG Union Bank, N.A. Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A. Non-deposit investment products: • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested. 

Investment banking services offered by Intrepid Investment Bankers LLC, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A. • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliateAre NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.

Schedule a call