Commercial loans & lines of credit

Valley Community Bank can provide financing for the purchase of office equipment, machinery, commercial vehicles, specialized equipment used in your business, and leasehold improvements. We also offer short-term loans for specific short-term needs like up-front costs on larger than normal contracts as well as standard business lines of credit.

You can apply by contacting any of our offices – or you can print our Business Loan Application Form, complete it, and send or fax it to us.

Checklist for a Complete Business Loan Application

Corporation	Business Loan Application Most recent 3 years federal income tax returns of company Current interim and most recent 3 years FYE financial statements Three most recent month-end A/R and A/P aging reports Guarantor(s)’ current financial statement Most recent 3 years federal income tax returns of guarantor(s) Complete description of collateral including ID numbers or, if purchasing new equipment, purchase invoice Corporate Charter
Partnership	Business Loan Application Most recent 3 years federal income tax returns of company Current interim and most recent 3 years FYE financial statements Three most recent month-end A/R and A/P aging reports Current personal financial statement of each general partner Most recent 3 years federal income tax returns of general partners Complete description of collateral including ID numbers or, if purchasing new equipment, purchase invoice Partnership Agreement or appropriate documentation For LLCs/LLPs
Proprietorship	Business Loan Application Current personal financial statement Most recent 3 years personal federal income tax returns including all schedules Current interim & 3 years FYE business financial statement Complete description of collateral including ID numbers or, if purchasing new equipment, purchase invoice
Individuals	Business Loan Application or Consumer Loan Application Most recent 3 years personal federal income tax returns including all schedules Current personal financial statement Complete description of collateral including ID numbers or if purchasing new equipment, purchase invoice.
Other Documentation That May Be Required	Basic information on your company’s products or services (company brochure) Biographical information on key management personnel Business plan including projections (pro forma financial statement) Fictitious Name Statement when necessary

Construction Loans

If you would like to discuss your project and Valley Community Bank’s construction loan programs – please contact any of our offices.

Project Data

Complete cost breakdown
Set of plans and specifications, preferably approved plans
Soils report and/or environmental report
Copy of building permit (when available) and invoices as evidence of project related items
Closing statement from title company or executed sales contract for the lot purchase

Contractor Financial Information

Resume and trade references
Current financial statement
Most recent two years federal income tax returns with all schedules
Copy of State Contractors License
Evidence of effective general liability and workman’s compensation insurance
List of ongoing and completed projects

Property Owner Financial Information

For self-employed applicants, we need copies of the most recent two years federal income tax returns with all schedules and current personal financial statement with supporting statements or documentation for the assets listed
For salaried applicants, we need copies of the most recent two years federal income tax returns and a current personal financial statement with supporting statements or documentation for the assets listed
For corporations and partnerships, we need copies of the most recent two years business federal income tax returns with all schedules plus a current income statement (P&L) and balance sheet

Small Business Administration(SBA) Loans

SBA loans are available for a variety of purposes. The application process is different depending on the purpose and type of loan you will need. For information regarding Valley Community Bank’s SBA Loan program feel free to contact our SBA department directly at (925) 484-9071.

Commercial Real Estate Loans

We can provide financing for the purchase or refinancing of commercial buildings. This includes retail commercial properties, industrial buildings, warehouses, office buildings, medical buildings and apartment buildings. For more information regarding Valley Community Bank’s Commercial Real Estate Loan programs feel free to contact any of our offices.

Business Credit Cards

Valley Community Bank in association with First Bankcard of Omaha, Nebraska offers the Executive Edition VISA Business Card. There is no annual fee and it includes the following benefits:

Auto rental coverage – Complete details, including restrictions, limitations and exclusions will be provided when you become a card member. You are automatically insured with collision/loss damage waiver insurance when you rent a car and charge it to your Executive Edition VISA
Travel Accident Insurance – You and your employees are automatically covered with $100,000 in travel accident insurance whenever you purchase your travel tickets with the Executive Edition VISA
Hotel Discounts – Your Executive Edition VISA will save you up to 60% at thousands of motels and hotels worldwide including Best Western, Hilton, Marriott, Days Inn, Holiday Inn, Hyatt, and Radisson Hotels.
Purchase Protection – First Bankcard’s will automatically protect nearly everything you buy with your Executive Edition VISA, against loss by fire, theft, or accident for 90 days. And they will double the manufacturer’s warranty for up to 12 extra months.
Emergency Services – With just a toll-free phone call, your Executive Edition VISA provides assistance in finding a local doctor or lawyer when you are far from home. Emergency cash is available through a network of over 300,000 banks, 250,000 ATM’s, and 11,000 Western Union Offices.
Management Reports – You will receive monthly management reports showing each authorized user’s expenditures and where they spent it making bookkeeping more accurate and tax records easier to maintain. Additionally, you can set each authorized user’s separate credit limit within the company’s overall credit line.

Contact any of our offices in order to apply.

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