Express Business Loans.
Get the funds to keep your business running smoothly or seize your next growth opportunity. We offer fast business loans and flexible options to fit your goals and cash flow. Get started with our simple online application process:
Apply in about 10 to 15 minutes
Apply in about 10 to 15 minutes
Receive a loan decision
Receive a loan decision
Sign documents at your local branch
Sign documents at your local branch
Get your funds
Get your funds
Compare Online Business Loans & Lines.
Sierra QuickBiz Line of Credit
Sierra Business Reserve Line of Credit
Sierra Business Line of Credit
Sierra Small Business Term Loan
Amount
$5,000 – $30,000*
$1,501 – $10,000
$30,000 – $250,000
$30,000 – $250,000
Purpose
Easily access funds to meet increased demand, manage seasonal cash flow changes, or cover new expenses.
Get more flexibility and peace of mind with an overdraft protection line of credit linked to your Business Checking Account.
Access larger amounts of working capital to support the trading cycle of your company (receivables, payables, inventory).
Get long-term working capital to support an increase in accounts receivable or buy inventory, equipment, or vehicles.
100% Online Process
Part of Bank of the Sierra’s Express Loan Program
Apply online, sign loan documents via DocuSign or at a branch.
Apply online, sign loan documents via DocuSign or at a branch.
Apply online, sign loan documents via DocuSign or at a branch.
Apply online, sign loan documents via DocuSign or at a branch.
Exclusively for Bank of the Sierra Business Banking Customers
N/A
N/A
No Collateral Requirement
Requires 1st Lien UCC-1 filing on business assets
Requires 1st Lien UCC-1 filing on business assets
*Must be a current Bank of the Sierra business customer and handle all accounts as agreed. Credit line amount based on eligibility.
Compare Online Business Loans & Lines.
Amount
$5,000 – $30,000*
Purpose
Easily access funds to meet increased demand, manage seasonal cash flow changes, or cover new expenses.
100% Online Process
Part of Bank of the Sierra’s Express Loan Program
Apply online, sign loan documents via DocuSign or at a branch.
Exclusively for Bank of the Sierra Business Banking Customers
No Collateral Requirement
Amount
$1,501 – $10,000
Purpose
Get more flexibility and peace of mind with an overdraft protection line of credit linked to your Business Checking Account.
100% Online Process
Part of Bank of the Sierra’s Express Loan Program
Apply online, sign loan documents via DocuSign or at a branch.
Exclusively for Bank of the Sierra Business Banking Customers
No Collateral Requirement
Amount
$30,000 – $250,000
Purpose
Access larger amounts of working capital to support the trading cycle of your company (receivables, payables, inventory).
100% Online Process
Part of Bank of the Sierra’s Express Loan Program
Apply online, sign loan documents via DocuSign or at a branch.
Exclusively for Bank of the Sierra Business Banking Customers
N/A
No Collateral Requirement
Amount
$30,000 – $250,000
Purpose
Get long-term working capital to support an increase in accounts receivable or buy inventory, equipment, or vehicles.
100% Online Process
Part of Bank of the Sierra’s Express Loan Program
Apply online, sign loan documents via DocuSign or at a branch.
Exclusively for Bank of the Sierra Business Banking Customers
N/A
No Collateral Requirement
*Must be a current Bank of the Sierra business customer and handle all accounts as agreed. Credit line amount based on eligibility.
Apply for an Express Small Business Loan.
See the FAQs below for eligibility criteria and required documents.
Express Small Business Loan FAQs
- Application Completion (including uploading required documentation): Approximately 10 – 15 minutes
- Review & Decisioning: Within 1 business day of receipt of a complete application for Sierra QuickBiz and Sierra Reserve products and within 3 business days for Sierra Business Lines of Credit and Sierra Business Term Loans.
- Documentation: Within 1 business day of receipt of items required to document loan (i.e., entity documents)
- Boarding: Within 1 business day of receipt of items required to board loan (i.e., signed loan documents & fees)
Business Information:
- Business name, address, phone number, and taxpayer identification number
- Business type
- Business industry
- Loan amount
- Loan purpose
- Number of years in business
- Gross revenue of business; net profit/loss
- Business assets; liabilities; net worth
- Monthly payments on existing business loans
- Required financial information (see below)
- Name(s), address(es), phone number(s), email address(es), and Social Security number(s) of all business owners regardless of ownership percentage
- Required financial information (see below)
Loan requests of up to and including $30,000 will be decisioned based on the information stated on the loan application and will not require submission of financial information. For loan requests higher than $30,000, the financial information specified below will be required by the Bank to verify stated information on the application to calculate debt service coverage ratios.
- Most recent 2 years complete tax returns for business entity
- Most recent 2 years complete tax returns for all business owners, including all statements, schedules, and K-1s, as applicable
- Current business debt schedule
- Current personal financial statement for all business owners
- Business principals will be required to personally guaranty (for corporations, LLPs, LLCs)
- Opening a Bank of the Sierra Business Checking Account will be required for Sierra Reserve Lines and Sierra Business Lines to credit loan funds. Vesting of the account must match the borrower’s legal name. Applicants will be required to open the business checking account in person at a Bank of the Sierra branch location.
- Applicants will be required to present appropriate entity documentation.
- Sole proprietors
- Corporations
- General partnerships
- Limited partnerships
- Limited liability companies
- Limited liability partnerships
- Loans for speculative purposes
- Loans to foreign countries, businesses, or governments
- Loans to businesses or individuals who have a history of delinquent payments or bankruptcies
- Fictitious name statement
- Filed articles of organization (LLC-1)
- Operating agreement
- LLC-12
- Any amendments
- If General Partnership (GP): filed statement of partnership authority (GP-1)
- If Limited Partnership (LP): filed certificate of limited partnership (LP-1)
- If Limited Liability Partnership (LLP): filed application to register an LLP (LLP-1)
- Partnership agreement
- Any amendments
- Filed articles of incorporation
- Any amendments
Let’s Keep Your Business Growing.
For current rates and terms, please contact your local branch or our Customer Service Center at 1-888-454-BANK.
SBA Loans.
If you have a new or growing business, a government-guaranteed Small Business Administration (SBA) loan can be a great way to secure the capital you need along with more favorable loan terms. Our SBA lenders can guide you through the process.
- SBA loans from $100,000 – $5 million
- Can be used for working capital, inventory, equipment purchases, debt refinancing, real estate, and other purposes
More Solutions for Your Business Needs.
Agricultural Lending
For farms and agribusinesses looking for financing, we’ve got a range of options to fit your needs.
Learn More
Sierra Commercial Banking Services
Help your money work at peak efficiency. Get powerful tools and 24/7 access.
Learn More
Real Estate Solutions
Buy your next property. Or build it. Our lending experts are with you all the way.
Learn More
