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Loans

Small Business Loans

Businesses face any number of financial challenges. Often, it's as simple as needing financing to grow and stay competitive. Perhaps you want to expand operations or purchase assets such as new equipment or even your own building. You may even need a loan to pay off business debts. Whatever the scenario, Union Bank offers loans with a range of flexible terms and features for your business needs:###DISCLAIMER:2_0 Good Faith Financing###
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Lines of Credit

Small Business Lines of Credit

From time to time, most small businesses need cash for short-term working capital, seasonal purchases, inventory, trade discounts, or to carry accounts receivable.

With a Union Bank business line of credit, you simply write a check or transfer funds online through Internet Business Banking to cover your needs, without depleting cash on hand.###DISCLAIMER:2_0 Good Faith Financing### It's the ideal way to provide a short-term cash infusion so your business retains its competitive edge:
  • Opt for a secured or unsecured line
  • Make interest-only payments
  • Simplify monthly accounting with automatic payments
  • Reduce the rate of your loan with automatic payments
  • Apply online for a line of credit up to $50,000 - for other amounts please speak to a banker by calling 1-866-UB-LOANS or visiting your local branch 
  • Get financing designed specifically for minority-, woman-, and disabled veteran-owned businesses###DISCLAIMER:2_0 Financing SB Business Diversity###
  • Convert some or all of your outstanding balance to a fixed-rate term loan with a Business OptionsLineSM ###DISCLAIMER:2_0 Partial Conversion###
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Commercial Real Estate

Small Business Commercial Real Estate Investing

An owner-occupied commercial real estate loan from Union Bank can help your small business expand.###DISCLAIMER:2_0 Good Faith Financing### Whether you want to purchase a larger facility or buy or refinance the building you're in now, our financing options provide excellent opportunities to enhance your working capital while building equity.

Term Loans Secured by Commercial Real Estate
Business need Ideal for:
  • Commercial property purchase or refinance
Terms
  • 25 years maximum term/25 years maximum amortization
Collateral
  • Secured by first or second trust deed positions
  • Owner must occupy greater than 50% of the net rentable area of the collateral.
Loan-to-value percentage
  • Up to 75 percent of appraised value
Interest rate
  • Fixed or variable
Fees
  • One-time loan fee, documentation fee, and closing costs
Repayment
  • Principal and interest, monthly
  • Accrued interest plus set amount of principal, monthly
Payment method
  • Automatic debit

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Business OptionsLine

Small Business Business Options Line

With Union Bank Business Options LineSM, convert some or all of your outstanding line of credit balance to a fixed-rate, fixed-term loan.###DISCLAIMER:2_0 Good Faith Financing###,###DISCLAIMER:2_0 Partial Conversion### This added level of flexibility allows you to:
  • Decide when to convert an outstanding balance to a fixed-rate loan
  • Lock in a fixed interest rate
  • Determine the monthly payment that fits your budget
  • Choose the collateral option that is right for your business
  • Make payments only when you’ve accessed the line of credit
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SBA Loans

SBA Loans

Whether you're just starting a small business or expanding to take advantage of new opportunities, a loan through the U.S. Small Business Administration (SBA) may be right for you.###DISCLAIMER:2_0 Financing SB 2### The SBA has created financing programs in conjunction with banks to help small businesses grow and succeed. SBA loan-qualifying criteria are generally more flexible than conventional loans.

Designed to enhance cash flow and conserve capital, SBA loans may help you:
  • Acquire commercial real estate
  • Secure funding for equipment or expansion
  • Acquire a business
  • Finance a franchise
  • Refinance an existing loan

As an SBA Preferred Lender, Union Bank can help you determine whether an SBA loan is right for your needs. Our team of specialists will ensure an accurate and timely process. Inquire at your local branch.
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Business Cash Reserve

Small Business Cash Reserve Overdraft Protection

Business Cash Reserve helps protect you from having checks returned on your checking account due to insufficient funds and provides you with a line of credit for unexpected expenses.###DISCLAIMER:2_0 Financing Approval 2###,###DISCLAIMER:2_0 Business Cash Reserve###
  • Advances and transfers funds into your checking account on an as-needed basis
  • Provides both overdraft protection and a line of credit
  • Extends credit up to $10,000 with approval -- apply online
  • Allows easy access by writing a check on your checking account or requesting a direct transfer
  • Automatically deducts the minimum payment due from your checking account each month
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PREPARE FOR UNEXPECTED EXPENSES

Business Cash Reserve gives you a line of credit and overdraft protection in one account.

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BUSINESS PREFERRED SAVINGS

Take advantage of preferred savings rates. Simplify your business banking. Optimize your liquidity.

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EQUIPMENT LEASING
Finance your equipment by December 31, 2013 and your first two payments are on us.
Learn more
tcm:9-41616 Business Diversity Lending More
Financing for woman-, minority-, and disabled veteran-owned businesses.