Business loans

Fund your business growth. For more than a half-century our Bay Area-based bank has been partnering with local business leaders to help them achieve their goals.

 
 
SBA Loans

We’re a top SBA 7(a) lender in the Bay Area

As a Small Business Administration (SBA) preferred lender, we can offer a faster loan approval process to keep your plans moving ahead. The Preferred Lender Program is the highest level of approval a lender can hold in the SBA loan program.

  • How SBA loans work

    SBA loans are bank loans that are partially guaranteed by the government. The Small Business Administration (SBA) sets the guidelines and makes it easier for small businesses to obtain financing.

  • Is an SBA loan right for you?

    You may want to consider an SBA loan if you’d like to:

    • Expand or start a business
    • Purchase a franchise
    • Acquire or renovate commercial real estate
    • Purchase equipment or inventory
    • Secure working capital
 
 
Lines of credit

Keep cash flow steady

Access the working capital you need when you need it. Draw on your credit line to manage seasonal fluctuations in revenue, replenish inventory, and more. It’s a great way to stabilize your cash flow and give you peace of mind.

  • Business community lending (BCL)

    Cover short- and mid-term cash flow and working capital demands up to $500,000 with a BCL line of credit. Be prepared for large purchases, equipment upgrades, and other expenses.

  • Fremont Bank line of credit

    The Fremont Bank line of credit features a line size greater than $500,000. Pricing is based on a full relationship with Fremont Bank and strength of credit.

  • Asset-based line of credit

    Entering new markets? Expanding a product line? An asset-based line of credit supported by your accounts receivable and/or inventory may be a good option.

 
 
Term loans

Financing on your terms

Finance equipment, expansion and more, or refinance existing debt, with a business term loan from Fremont Bank. Featuring competitive rates, a range of terms and personalized support from Bay Area lending professionals, our loans can help you take your business to the next level.

  • Convenient fixed payments

    A term loan is a popular mid- to long-term financing option. Borrow the amount you need and pay it back in fixed monthly installments.

  • Local support. Tailored solutions.

    We develop genuine partnerships with our clients, which is different from what many experience at other banks. Let our team customize a loan to meet your requirements.

Our lending process

 

Understand

We meet to better understand your current challenges and long-term goals so that we can tailor a loan package to your business.

 

Underwrite

Your application is examined by our expert underwriters to ensure we have all necessary information.

 

Review

Your loan package is reviewed to validate that it aligns with Fremont Bank’s philosophy on business credit.

 

Close

We work with you to reach a closing date after approval and a final checklist review.

 

Serve

You’ll have a dedicated contact who will offer guidance and insights during quarterly check-ins.

Can we help your business?

Let’s talk