Commercial Banking with Union Bank®
A comprehensive approach, combined with exceptional service, and a full suite of Commercial banking solutions
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
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:
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:
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:
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:
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
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:
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:
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
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:
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:
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:
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:
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
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:
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:
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.
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.
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.
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 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.