PRESIDIO BANK

Presidio Bank offers a full range of loan products tailored to meet the needs of privately-owned businesses with $5 million to $50 million in sales, real estate developers/investors, non-profit organizations, and the owners, partners, and executives of these firms. Our knowledgeable, experienced Relationship Managers provide customized solutions based on a sound understanding of your business, industry and financing needs. Decision makers are local, responsive and accessible. Presidio's strong capital base provides the capacity to meet the needs of our target market segment. Product offerings follow:

Commercial Loans

Lines of Credit

• Seasonal operating lines of credit to fund the build up of accounts receivable and inventory.
• Asset-based lines of credit to continuously fund accounts receivable and inventory.
• Equipment lines to fund periodic equipment purchases throughout the year, converting to fully amortizing term loans.

Term Loans

Term Loans to fund the purchase or refinance of fixed assets, including equipment, aircraft, automobiles and trucks.

Commercial Real Estate Loans

Term Loans

• Mini-Perm loans to fund the purchase or refinance of stabilized income producing commercial income property for owner/users and established investors and developers.
• Permananent loans to fund the purchase or refinance of multi-family residential properties.

Bridge Loans

Short to medium term loans to support the purchase or rehabilitation of income producing commercial real estate properties which require attentive asset management, leasing, construction, or changes in use in order to achieve stabilized levels of net operating income.

Construction Loans

Loans to finance the construction of owner-occupied and investment properties. Property types include office, retail, industrial, multi-family, mixed use, and residential tract.

Land Acquisition and Development Loans

Short term loans to owner/users and developers to finance the acquisition of land for commercial or residential development.

SBA 504 Loans

Loans to finance the purchase or construction of owner-occupied commercial real estate properties.

Commercial Real Estate Equity Loans

Flexible medium term loans, secured by primary or secondary collateral positions on fully stabilized income producing real estate properties, which enable investors to periodically tap project equity in support of alternative investment interests or ongoing project cash needs.

Agricultural Loans

Short and medium term loans to fund operating needs, equipment, vineyard/orchard development, real estate and processing facilities.

Loans for Business Owners/Officers

Lines of Credit

Short term unsecured/secured lines of credit to fund personal business needs, including bridge financing for real estate and other investments.

Term Loans

Mini-perm loans to fund the purchase or refinance of stabilized income producing commercial income property for owners or users and established investors and developers.

Home Equity Loans/Lines of Credit

Loans to fund home improvements and/or business needs, secured by a 1st or 2nd Deed of Trust on borrower's residence.

Standby Letters of Credit

Standby letters of credit can be issued for a variety of purposes. Such purposes could include the guarantee of performance under a contract, in lieu of providing a cash (or earnest money) deposit, or a substitute for bonding requirements relative to offsite improvements including warranty work.