COMMERCIAL Lending
Financing to Move Your Business Forward.
Our approach to lending gives you one less thing to worry about as your business grows. Our concierge-style support team ensures that the process goes smoothly, so you have more time to plan for what's next.
Financing That Knows the Best Is Yet to Come for Your Business.
Scalable financing options and competitive rates give your business room to grow. Here’s what’s possible.
Revolving Line of Credit
- When you need working capital to support your business growth.
- Borrow, repay, and borrow again up to the original line of credit amount during the life of the loan.
- Get automatic paydowns and cash advances.
- Easily manage excess cash balances.
Non-Revolving Line of Credit
- When you have expected fixed-asset purchases over time, such as equipment or vehicles.
- Borrow a lump sum for immediate needs.
- Borrow funds for incremental use over time.
- Credit availability reduces with each payment.
Term Loans
- When you have a long-term financing need, such as an equipment purchase or business acquisition.
- Borrow a lump sum for immediate needs.
- Repay the loan over time, with regular monthly payments.
Letters of Credit
- When you need the Bank’s credit standing to back up your own, we’re in your corner.
Ken Imwinkelried
Chief Credit Officer
“Most banks offer commercial lending, but the River City Bank approach is different. I take the time to truly understand my clients’ business realities, and then recommend financing solutions that align with those realities. We’re a bank that means it when we say ‘Clients come first.’”
Malissa Karsseboom
Loan Operations
“Financing is the lifeblood of many organizations. I’m proud to work at a place that strives to make the lending process as seamless as possible, and never loses sight of our clients’ goals.”
Ken Imwinkelried
Senior Credit Manager
“Most banks offer commercial lending, but the River City Bank approach is different. I take the time to truly understand my clients’ business realities, and then recommend financing solutions that align with those realities. We’re a bank that means it when we say ‘Clients come first.’”
Malissa Karsseboom
Loan Operations
“Financing is the lifeblood of many organizations. I’m proud to work at a place that strives to make the lending process as seamless as possible, and never loses sight of our clients’ goals.”
More Ways We Help Your Business Grow.
Relationship Managers can also help you navigate the setup process for critical business banking services. We’ll first learn more about your unique business realities, and then apply our industry expertise to customize solutions that can accommodate growth at your pace.
Here are a few examples of the kinds of questions we’ll ask to provide the most relevant solutions.
Deposit Services
Help us understand your business infrastructure. How could we best align accounts to suit your needs?
Cash Management
Risk and security protocols and efficiency are both critical. How can we assist with making your banking processes more secure?
Over $5 Billion in Assets
River City Bank is the largest independent and locally owned and managed bank in the Sacramento region.
Industry Specializations
Agribusiness, Clean Energy, Commercial Real Estate, Construction, Healthcare, Manufacturing & Distribution, Nonprofit, Professional Services, Property Management, Representative Payee
100+ Years of Insights
More than a century’s worth of commercial banking expertise, all on one team.
Security First—and Always
Our innovative systems employ industry standards to help keep your funds safe at every turn.
Bauer 5-Star Rated Superior
Veribanc Green Three out of Three
(Highest Rating)
