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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 you better understand our products and services. 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, and 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, and industrial/warehouse facilities, mixed-use projects, hotels/motels, franchise/national chained restaurant buildings.

Small Business Administration (SBA) Guarantee Loans SBA loans are available to assist small business owners in financing their working capital needs, inventory and equipment and machinery purchases, leasehold improvements, commercial real estate acquisitions, business purchases, or debt refinancing. These loan programs, guaranteed by SBA, are very helpful tools for a small business to obtaining financing that otherwise might not be available.

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 emphasizes the creation and retentions of jobs.

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