We can be a great resource to help you assess your company’s financing needs and find the best option that will keep pace with your company’s growth.

 

term-loans-financing

Lines of Credit

Be ready when your business needs a financial boost, to bridge a cash-flow gap, purchase inventory, or to take advantage of fast-moving opportunities. A line of credit provides a flexible source of extra money you can put to work quickly.

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  • Personal assistance in determining your credit needs
  • Straightforward application process and local credit approval
  • Easy access to your funds in ways that work best for you

How to apply today


Term Loans

Term Loans

Purchase fixed assets, make leasehold improvements, increase permanent working capital, or undertake other transactions.

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  • Personal service and local credit evaluation and approval
  • Competitive, low, fixed or variable rates
  • Regular installments of principal and interest for easy budgeting

How to apply today


Real Estate and Construction Financing

Real Estate and Construction Financing

Whether you’re a sole proprietor or large-scale developer, our local expertise and extensive experience helps simplify the complexities of financing property and construction.

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For business expansion or investment, improving or refinancing your current commercial property, we offer:

  • Customized and flexible credit structures
  • Amortization structures designed to suit your cash flow requirements and aim to stabilize the cost of carrying debt
  • Fixed or adjustable terms
  • Competitive interest rates based on various indexes
  • Local credit approval for faster decisions
  • Loan syndication
  • Bridge financing

How to apply today


Vineyard

Agriculture and Vineyard Financing

As a homegrown Northern California bank, we understand the specific challenges and constant changes in the agriculture industry. From multi-generational family farms to corporate-led operations, we can help you with the financing you need to turn your hard work and investments into a successful venture.

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We offer a variety of financing options to fit your unique situation:

  • Variable, adjustable, and fixed rate loans and lines of credit
  • Long, short and intermediate term financing
  • Conversion options and longer-term amortizations
  • Equipment financing
  • Cash management solutions

How to apply today


Equipment Leasing and Financing

Equipment Financing

Maintain your company’s competitive edge while conserving credit and capital. We specialize in helping you afford the latest in equipment by providing flexible terms to help accommodate any budget.

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  • Up to 100% financing for equipment, including delivery and installation
  • No financials required up to $100,000
  • Terms of 24 to 72 months

How to apply today


Letters of Credit

Letters of Credit

Mechanics Bank can help you structure standby letter of credit terms that meet the needs of your specific trade or transaction, such as a payment for purchasing goods and services or an international transaction.

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  • Support for obligations such as trade payments, leases, advance payment requirements, and performance and bid assurances
  • Substitute for collateral to enhance credit facilities
  • Support for insurance obligations, including workers’ compensation

How to apply today


Professional Practice Financing

Professional Practice Financing

We’re dedicated to helping those in professional practices manage day-to-day financial needs and long-term goals, from start-up through retirement.

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  • High-level of industry-specific expertise to understand your demands, opportunities, and challenges
  • Dedicated personal banker to provide a single point of contact and facilitate internal bank resources to suit your individual practice needs
  • Full range of services, from specialized loans for practice acquisitions to lines of credit, equipment financing, advanced cash management tools, online solutions, and bank card services

How to apply today


Credit Card 1

Business Credit Cards

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Expense management tools
  • No fee for additional employee cards
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

Lets get started...

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Flexible Cash Rewards For Your Business

Visa Business Cash Card
Visa® Business Cash Card
  • 3% cash back1 on eligible net purchases from office
    supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3

Learn more Apply now

Rewards To Use The Way You Want4
 


Visa Business Cash Card
Visa® Business Real Rewards Card
  • Earn 1.5 points monthly for every $1 you spend on
    eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn,
    and you have five years to redeem for rewards4
  • 2,500 bonus rewards points awarded after first purchase3

Learn more Apply now

Visa Business Bonus Rewards Credit Cards
Visa® Business Rewards PLUS Card
  • Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus rewards points
    after you spend $2,000 in the first 3 months3
  • No cap or limit on the total cash back you can earn,
    and you have five years to redeem for rewards4

Learn more Apply now

Pay Down Balances


Visa Business Bonus Rewards PLUS Credit Cards
Visa® Business Platinum Card
 
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

Learn more Apply now

 

1Reward points can be redeemed as a cash deposit to a checking or savings account with Mechanics Bank or as a statement credit to your credit card account within one to two billing cycles. Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program.

2Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. 6Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.