Business Loans

Let’s Get This Done

Pacific Valley Bank was founded to meet the unique needs of the Monterey County business community. We haven’t lost that focus. Let’s get this done.

We understand your challenges. We know your circumstances. We’re not just bankers, we are your neighbor. We have money to lend. Decisions are made locally, getting it into your hands more quickly.  If you need agricultural equipment, real estate financing or working capital, we’ve got you covered.+  We have local, experienced lenders available to assist you in your business decision making.

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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