Small Business Lending

Support your success with a quick online business loan or flexible SBA loan.

QuickBiz Line of Credit Express Loan Application SBA Loans
 

Small Business Lending

Support your success with a quick online business loan or flexible SBA loan.

QuickBiz Line of Credit Express Loan Application SBA Loans

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

Apply in about 10 to 15 minutes

Apply in about 10 to 15 minutes

Receive a loan decision

Receive a loan decision

Receive a loan decision

Receive a loan decision

Sign documents at your local branch

Sign documents at your local branch

Sign documents at your local branch

Sign documents at your local branch

Get your funds

Get your funds

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

 

Apply Now
Apply Now
Apply Now
Apply Now

 

Learn More
Learn More
Learn More
Learn More

*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

Apply Now
Learn More

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

Apply Now
Learn More

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

Apply Now
Learn More

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

Apply Now
Learn More

*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.

Apply Now Contact Us

Express Small Business Loan FAQs

Sierra QuickBiz Lines of Credit and Sierra Business Reserves are unsecured products. The Bank will require a 1st lien UCC-1 filing on business assets for Sierra Business Lines of Credit and Sierra Business Term Loans.

Yes. You can apply to renew your existing Sierra Business Line of Credit through this program by clicking on any of the Apply Now Buttons.

  • 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)

Questions from applicants and/or Bank customers can be addressed by Customer Service at 1-888-454-BANK. You may also email SmallBusinessLending@BankoftheSierra.com

You will be notified by phone and in writing of the approval. If any additional information is needed to move forward with drawing loan documents, a list of items will be provided. If the items needed to draw loan documents are not provided within 5 business days, a Notice of Incomplete Application letter will be mailed, allowing 30 days for the applicant to provide the information. If the information is not provided within the specified time frame, the request will be considered withdrawn.

You will receive a phone call explaining the reasons for the rejection. Bank of the Sierra will also follow up with a letter, either sent by mail or electronically.

Complete applications will include a minimum of the following items:

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)
Business Principal(s)/Guarantor(s) Information:
  • 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)
Financial Information Requirements:
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
Additional Requirements:
  • 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.

The Small Business Lending program is intended for any business seeking a loan of anywhere from $1,500 – $250,000. Business entities should be in existence and operating for no less than 3 years and should be located in the Bank of the Sierra geographic footprint. If they are not located in the footprint, they must be within the State of California.

To be eligible, businesses must have been operating for three years or more and have a current address in California. Applicants shall be one of the following:
  • Sole proprietors
  • Corporations
  • General partnerships
  • Limited partnerships
  • Limited liability companies
  • Limited liability partnerships
Trusts, nonprofits, and money services businesses are not eligible for these products. To inquire about financing for these entities, please call 1-888-454-BANKor stop by your nearest branch.

Small Business Loans will be extended to business entities for legitimate business use (i.e., short- and long-term working capital, vehicle and equipment purchases, business overdraft protection). Unacceptable loan types include:
  • 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

Basic criteria and requirements to qualify for a Small Business Loan from Bank of the Sierra will appear at the top of the application. Items include (but may not be limited to) length of time in business, financial requirements, authorization to pull credit, and the signing of all loan documents in person at a Bank of the Sierra branch location.

Yes. Your business must be located in California.

Yes. Bank of the Sierra will check the credit report for the business and personal credit reports for all business principals.

The Small Business Lending Team will follow-up via phone and/or email to inform applicants of required documents. If these items are not provided to the Bank (via upload to customer portal), a Notice of Incomplete Application Letter will be sent to applicants. This letter will provide a detailed listing of any outstanding items that must be provided by the expiration date of the letter.

Yes. Loan documents will be sent out electronically for signature. Documents will be sent to the email address(es) provided on the application for credit.

Sole Proprietorship:
  • Fictitious name statement
Limited Liability Company (LLC):
  • Filed articles of organization (LLC-1)
  • Operating agreement
  • LLC-12
  • Any amendments
Partnership/Limited Liability Partnership:
  • 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
Corporation:
  • Filed articles of incorporation
  • Any amendments

All Small Business Loan applications and supporting documentation will be submitted electronically through a secured website, which can be accessed through Bank of the Sierra’s website.

Yes. Loans will be considered in an amount up to $250,000, even if you have existing loans with Bank of the Sierra.

All applications are reviewed and decisioned by an employee of Bank of the Sierra.

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
To learn more, stop by your nearest branchor give us a call at 1-888-454-BANK.

SBA Loans.

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Real Estate Solutions

Buy your next property. Or build it. Our lending experts are with you all the way.

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More Solutions for Your Business Needs.

Business Money Market Account

Start earning more while keeping your funds easily accessible.

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