Loan Products

First Choice Bank offers many loan products to suit your personal and business needs.

Our approach to your financing needs is dictated by a philosophy of personal service combined with the speed of local decision-making. Illustrated below is a brief summary of our lending programs to help better understand our products and services.

Business Loans

Commercial Loans

  • Lines of Credit
    Lines of credit are available to meet your short term financing needs and provide the working capital injection needed to support growth in sales, accounts receivable financing and seasonable inventory needs or other purposes related to business operations.
  • Term Loans
    Term loans are available to assist with equipment and machinery purchase, business expansion, business acquisition, working capital or refinance of existing business debts.
  • Letters of Credit
    Letters of credit are available to accommodate international transactions and business commitments.
  • Professional Business Lines of Credit
    Professional Business Lines of Credit are available to medical and dental professionals, certified public accountants, attorneys and other service providers for seasonal borrowing needs.

Construction Loans

Construction Loans are available for

  • single family tract homes
  • condominiums
  • apartment complexes
  • shopping centers
  • hotels/motels
  • office and medical buildings
  • industrial/warehouse facilities

Commercial Real Estate Loans

Commercial real estate loans are designed to finance the purchase or refinance of:

  • apartment complexes
  • multi-family properties
  • shopping centers
  • office and medical building
  • industrial/warehouse facilities
  • mixed-use projects
  • hotels/motels
  • franchise/national chained restaurant buildings

Pacific Coast Regional Corporation (PCR) Guarantee Loans

PCR guarantee loans are made available to assist small business owners to obtain loans that are not traditionally bankable. These loan programs, guaranteed by the State, emphasize the creation and retentions of jobs.

Consumer Loans

All loan products are competitively priced. Please contact our loan officers for an appointment to discuss your business and financing needs.