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.

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

Additional services

Service and experience

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.

Industry specialization and centers of excellence

Approximately 50% of our lending commitments come from industry specialties outside general industries, such as health care, technology, agriculture, environmental services, nonprofit, architecture, engineering and construction, and wine and craft brewing and spirits, among others. We also have established centers of excellence in health care, technology, nonprofit, agriculture, the wine industry, asset-based lending, and venture lending. 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.

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.

Equity sponsor finance

The Equity Sponsor Finance Group at Union Bank® provides equity sponsors and family offices consistent coverage by merging regional bank nimbleness with the strength, reach, and resources of one of the world’s leading financial groups.

Our strategy is simple — evaluate every situation on each company’s merits and provide solutions with expediency and efficiency.

We have a proven track record in providing senior debt financingand capital market capabilitiesfor middle-market businesses across all industries, including:

  • More than $850 million in commitments
  • Generalist approach with select industry specialization
  • Cash flow, asset-based, and 1st out unitranche credit structures

For more information regarding our Equity Sponsor Finance capabilities, contact Matthew Dalany, Managing Director, at 213-236-5125

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.

Small Business Administration lending

Whether your clients are looking to purchase a building or refinance, our dedicated and experienced SBA lending specialists can help you secure the right financing.

As an SBA Preferred Lender, we offer expedited closings for loans ranging from $500,000 to $5,000,000. Our highly experienced Union Bank® SBA lending team can provide financing solutions that will help you reach your business goals.

An SBA loan from Union Bank loan can help finance up to 90% of the collateral value for clients looking to acquire or construct a commercial real estate project.

Union Bank is committed to the SBA market and growing. We are ranked the #3 Most Active SBA 7(a) Lender in the state of California for 2019.

To find out more about our SBA lending options, see Business Lending.

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.

LIBOR is expected to be phased out of use by financial market participants beginning at the end of 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

Service and experience

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.

Industry specialization and centers of excellence

Industry specialization and centers of excellence

Approximately 50% of our lending commitments come from industry specialties outside general industries, such as health care, technology, agriculture, environmental services, nonprofit, architecture, engineering and construction, and wine and craft brewing and spirits, among others. We also have established centers of excellence in health care, technology, nonprofit, agriculture, the wine industry, asset-based lending, and venture lending. 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.

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.

Equity sponsor finance

Equity sponsor finance

The Equity Sponsor Finance Group at Union Bank® provides equity sponsors and family offices consistent coverage by merging regional bank nimbleness with the strength, reach, and resources of one of the world’s leading financial groups.

Our strategy is simple — evaluate every situation on each company’s merits and provide solutions with expediency and efficiency.

We have a proven track record in providing senior debt financingand capital market capabilitiesfor middle-market businesses across all industries, including:

  • More than $850 million in commitments
  • Generalist approach with select industry specialization
  • Cash flow, asset-based, and 1st out unitranche credit structures

For more information regarding our Equity Sponsor Finance capabilities, contact Matthew Dalany, Managing Director, at 213-236-5125

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.

Small Business Administration lending

Small Business Administration lending

Whether your clients are looking to purchase a building or refinance, our dedicated and experienced SBA lending specialists can help you secure the right financing.

As an SBA Preferred Lender, we offer expedited closings for loans ranging from $500,000 to $5,000,000. Our highly experienced Union Bank® SBA lending team can provide financing solutions that will help you reach your business goals.

An SBA loan from Union Bank loan can help finance up to 90% of the collateral value for clients looking to acquire or construct a commercial real estate project.

Union Bank is committed to the SBA market and growing. We are ranked the #3 Most Active SBA 7(a) Lender in the state of California for 2019.

To find out more about our SBA lending options, see Business Lending.

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.

LIBOR is expected to be phased out of use by financial market participants beginning at the end of 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

What our clients say

Simply put, we wouldn’t be where we are today without Union Bank’s confidence in our  business and its  future.

Gary Mathison,

President, XKT Engineering

Like many others, our business was challenged by the downturn in the industry during the recession starting in 2008, but Union Bank worked with us to weather that storm and come out stronger on the other side.

John Williams, Owner, and Doug DeMerritt, CFO,

Frog’s Leap Winery

Time is money and Union Bank understands the sense of urgency; they are able to run at my pace. They understand our diversified business and are great communicators.

Clay Shannon, President and CEO,

Shannon Ridge Family of Wines

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