Personal Banking


Business Banking

Loan Services

Loan Services

Business Banking

About Us

Business Lending Solutions

At 1st Capital Bank, we couple concierge service with local decision-making to provide you with the support you need to successfully manage the various lifecycles of your business.

Business Loans and Lines of Credit

Business Loans

1st Capital Bank's Relationship Managers are local to the area and understand the business climate of California's Central Coast.  They understand the importance of responding to your borrowing request in a timely manner so you can quickly capitalize on opportunities and adjust to changing market conditions. 

Customized Solutions Financing

1st Capital Bank takes a customized solution approach to financing.  Working with a Relationship Manager, 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.

Types of Loans and Lines of Credit

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

Specific Industry Expertise

  • Agriculture
  • Healthcare/Medical/Dental
  • Construction

Government Guaranteed Loans

  • Small Business Association (SBA): 7(a) and 504
  • USDA, Business and Industry Loans
  • California Coastal Rural Development Corporation (Cal Coastal)

Contact a 1st Capital Bank Relationship Manager to Get Started

Call 831.264.4070 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

Call 805.592.2049 if your business is located in the following cities:

  • Paso Robles
  • Atascadero
  • Templeton
  • San Luis Obispo
  • Morro Bay
  • Arroyo Grande
  • Pismo Beach
  • Oceano
  • Nipomo
  • Orcutt
  • Santa Maria