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Commercial Real Estate


Mechanics Bank has a long history and substantial expertise in financing various property types for different purposes. We provide construction loans, investor finance and loans for owner users. We are an active lender to real estate developers who seek to extend their wealth through the development and long term ownership of real estate in Northern California.

The bank is a diversified lender and finances apartments, retail shopping centers in urban and suburban locations, distribution warehouses, manufacturing facilities, R&D buildings and mini-storage units. We have experience in financing golf courses, wineries and vineyards. Our typical structure allows for the construction of new properties with a conversion of the construction loan at completion and stabilization of the property to a permanent loan. The structure depends upon your need.

Interest rates are competitive and based upon treasury securities. Terms may be either fixed or adjustable. Amortization structures are designed to suit your cash flow requirements and to stabilize to the extent possible the cost of carrying debt burden relative to revenue fluctuations.

Typically we deal with borrowers who configure as partnerships, LLCs, corporations or simply individuals.

Our geographic region of interest includes all of the contiguous San Francisco Bay Area Counties, Napa, Sonoma and Solano Counties, and the Sacramento region. We have experienced real estate lenders in each of our Corporate Banking Offices who are fully competent to discuss transactions from the simple to the complex.