Business Loans

Loan Services

United Security Bank business loan services are characterized by highly competitive interest rates, creative and innovative solutions to your loan needs, experienced loan officers, and direct access to the decision makers you need.

Your loans are processed in a timely manner because all decisions are made right here in Fresno. Compare our response time to others!

Our goal is to provide personalized and professional handling of your loan needs in a comfortable and relaxing atmosphere.

We offer the following types of loans:

Commercial

Commercial/Industrial Loans

Working Capital
Business Expansion
Accounts Receivable
Equipment Financing
Professional Loans
Small Business Administration
Standby Letters of Credit

Revolving Lines of Credit
- Seasonal Working Capital
- Accounts Receivable / Inventory

Non-revolving Loans
- Property Improvements, Special Projects

Term Loans
- Equipment Financing (New and Used)
- Permanent Working Capital
- Real Estate Mini-perm Financing
- Bridge Financing

Agricultural

Agricultural Loans

Crop Production Loans / Lines
- Finance annual crop expenses for permanent, row, or field crops

Development Loans
- Finance costs to develop permanent crops

Term Loans
- Equipment Financing (New and Used)
- Real Estate Mini-perm Financing
- Bridge Financing

Real Estate

Real Estate Loans

USB provides a full set of real estate services directed to the developer of single family and multi-family residences, as well as taking pride in our long history of successful relationships with developers of retail and commercial properties. With a focus on construction financing, the long-standing reputation enjoyed by USB as professional and efficient real estate lenders highlights our knowledge of all of the California markets and our ability to quickly respond to client and prospect's inquiries, addressing the loan requests with a broad range of real estate-related products.

Interim Construction
Commercial Real Estate

Land and Land Development
- Entitled land scheduled for future development, and property that requires site development.

Single Family Subdivision Construction
- Vertical construction (with an emphasis on pre-sold units), models and lines tailored to your needs.

Multifamily Construction
- All aspects of apartment and not-for sale, income producing residential properties.

Retail and Commercial Construction
- Office, Retail, Industrial and other income producing properties. We offer streamlined construction facilities, along with internal referral to outside long-term sources.

UNITED SECURITY BANK understands Real Estate Developers and their challenges. Our knowledge of the needs of the Real Estate development community includes deposit and monitoring products that are appropriate to meet the client's goals in reflecting the pressures of the current market, while at the same time, maintaining a vision toward the future.