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Business Lending

Business Lending

Tailored Loans. Transformative Outcomes.

Flexible Business Loans to Power Your Next Move

With over 40 years of experience, New Omni Bank provides trusted, customized business loans in California, designed for startups, family-owned businesses, and large corporations alike. Whether you’re launching, expanding, or building, our commercial lending experts offer responsive service and personalized options to help your business grow with confidence.

From small business loans and SBA-backed programs to commercial real estate and construction loans, we offer flexible terms and competitive rates—because we understand that no two businesses are alike.

Commercial Real Estate Loans

Construction Loans

Commercial & Industrial Loans

SBA Loans

International Trade Finance

Commercial Real Estate Loans

Secure the funding you need to purchase, refinance, or renovate commercial property. Our CRE loans offer competitive rates and flexible structures for owner-occupied and investment real estate.

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Construction Loans

From ground-up builds to tenant improvements, our commercial construction loans provide the capital to keep your project moving forward.

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Commercial & Industrial Loans

Our C&I loans help fund day-to-day operations, inventory purchases, equipment, and growth initiatives.

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SBA Loans

We proudly offer Small Business Administration (SBA) loans to support entrepreneurs who may not qualify for conventional lending. Get access to capital with longer terms and lower down payments.

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International Trade Finance

For import/export businesses, our trade finance solutions help secure payments, reduce risk, and improve working capital.

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Why Choose New Omni Bank for Your Business Lending Needs?

Local expertise rooted in Southern California
Fast, relationship-based lending decisions
Flexible loan structures
Competitive rates and clear terms
Personalized guidance from experienced lenders

Talk to a Lending Specialist Today

Get personalized business financing backed by 40+ years of expertise—from small loans to complex commercial solutions.

Frequently Asked Questions

1. What is a commercial loan?

A commercial loan, also known as a business loan, is a type of financing that is specifically designed for business purposes. It can be used to fund capital expenditures or cover operational costs that the company may not be able to afford upfront.

2. What types of commercial loans are available at New Omni Bank?

We offer a variety of commercial loans, including term loans, lines of credit, equipment financing, commercial real estate loans (CRE loans), C&I loans, SBA loans (Small Business Administration loans), and International Trade Finance, among others. Each is designed to meet different business needs.

3. How do I apply for a commercial loan?

To apply for a commercial loan, you’ll typically need to provide detailed information about your business, including financial statements, a business plan, and details about the purpose of the loan. Contact our lending team to start your application for business financing.

4. What factors do you consider when evaluating a commercial loan application?

We evaluate several factors, including your business’ credit history, cash flow, collateral, and the overall financial health of your business, to determine loan eligibility and terms for our business loans.

5. How do you qualify for a commercial loan?

Qualifying for a commercial loan involves several factors, including but not limited to your business credit history, financial performance, cash flow, and the purpose of the loan. Prospective borrowers must submit detailed financial statements, a robust business plan, and other relevant documents as part of the application process for business financing.

We recommend speaking with one of our loan officers to understand the specific requirements for your situation regarding company loans.

6. What can be used as collateral to secure a loan?

Various assets can be used as collateral, depending on the loan type and the borrower’s circumstances. Common forms of collateral include real estate (commercial or residential property), equipment, inventory, accounts receivable, and sometimes personal assets.

The value of the collateral and its relevance to your business operation will play a significant role in determining the loan amount and terms for your business loan. Our lending specialists can provide guidance on what types of collateral are acceptable for your specific loan.

7. How long does it take to get a decision on a commercial loan application?

The time frame can vary depending on the complexity of your loan application and the type of loan. New Omni Bank is renowned for providing swiftly financing supports to its clients. Contact us for more information about our business loan processes.

8. Are start-ups eligible for a commercial loan at New Omni Bank?

Yes. We understand the unique challenges faced by new businesses and offer tailored financing solutions to help start-ups get off the ground and grow.