Personal Banking


Business Banking

Loan Services

Loan Services

Business Banking

About Us

Business Lending Solutions

1st Capital Bank provides financing to fit  a specific life cycle of a business. We are dedicated to provide you a quality, local service as we are deeply committed to serving our customers to the fullest. As your community bank, we look forward to helping you and your business in achieving your financial goals with decisions made locally.

Business Loans and Lines of Credit

Business Loans

1st Capital Bank Business Loan programs respond to your borrowing request in a timely manner, allowing you to make rapid business decisions, so that you can capitalize on opportunties and changing market conditions. Our Business Bankers are locally grown from the area and understand the business climate of Monterey County and the Central Coast.

Customized Solutions Financing

1st Capital Bank takes a customized solutions approach to financing. Working with a business banker, we’ll sit down with you and your management team to determine the appropriate financing and cash management solutions specifically for your business and industry. Customized solutions by local community bankers.

Types of Loans and Lines of Credit

  • Revolving Lines of Credit
  • Non-revolving Lines of Credit
  • Equipment Loans
  • Construction Loans
  • Real Estate Term Loans
  • Customized Credit Facility

Specific Industry Expertise

  • Flexible Disbursement Options
  • Agriculture
  • Healthcare/Medical/Dental
  • Construction

Government Guaranteed Loans

  • Small Business Association (SBA): 7(a) and 504
  • USDA, Business and Industry Loans

Contact a 1st Capital Bank Business Banker to Get Started

Call 831.284.4070 if your business is located in the following cities:

  • Monterey
  • Carmel
  • Carmel Valley
  • Pacific Grove
  • Sand City
  • Seaside
  • Pebble Beach
  • Marina
  • Del Rey Oaks

Call 831.540.4080 if your business is located in the following cities:

    • Salinas
    • Castroville
    • Prunedale
    • Santa Cruz/Watsonville

Call 831.385.8900 if your business is located in the following cities:

  • King City
  • Gonzales
  • Greenfield
  • Soledad

Start working with a business banker who lives and understands the local business environment.  There is no time like today to start working with the local business bankers of 1st Capital Bank. 

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Loans subject to credit approval