Products & Services

Business Loans

Let’s Get This Done


The best businesses combine good ideas, hard work, and the right financial partner. Pacific Valley Bank is able to create lasting relationships with Monterey County businesses because of our keen understanding of the local business environment and strong community connections. Work with our truly local team, let’s get this done.


Business Loan Team

To find out how we can help you,

please contact a member of the business loan team.



Commercial or Agriculture Lines of Credit

Flexible repayment terms with interest only: monthly or quarterly payments. Competitive interest rates. Establish a maximum credit facility to better control the cash need of your business cash cycle.


Commercial or Agriculture Terms Loans

Manage business cash flow by financing a capital improvement over a longer term with terms ranging from three to ten years and amortizations to 25 years. Competitive variable or fixed interest rates


Commercial Constructions Loans

Multi-use purpose such as residential home developer's infill and related projects, construction and/or renovation of office buildings , medical buildings, industrial and manufacturing facilities.

Terms up to two years.


Agriculture Production Lending

Offering annual and multi-year projects.


Government Guaranteed Loan Programs

U.S. Department of Agriculture (USDA), Business and Industry Loans, FSA, and Farmer Mac. Small Business Administration  (SBA): 7(a) and 504.


+ Subject to credit approval.

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