Commercial Banking Capabilities Booklet

Commercial Banking Capabilities Booklet

Commercial Banking Products & Services

Choose your bank as if your business depended on it. Because it does.

If your bank isn’t helping lead the way,

it’s in the way.

1

calbanktrust.com

Commercial Banking

Navigating the financial complexities involved in running a commercial business requires a wealth of industry knowledge and a breadth of financial resources not easily found with traditional banks. That’s why an ever-growing number of California businesses are turning to California Bank & Trust (CB&T) for their commercial banking needs. For more than 60 years, we’ve been helping them succeed through our proprietary blend of financial acumen, marketplace knowledge and customizable banking solutions. Add to that our relationship-is-everything philosophy, direct access to decision makers, and unparalleled responsiveness to your needs, and you have someone who can lead the way to wherever it is you want to go.

Flexible programs. Competitive terms.

And the help you need to choose the best of both.

3

calbanktrust.com

CB&T offers a dynamic combination of products and services that provide you with a critical business advantage: the ability to build financial solutions specific to your business needs and market conditions. We’re dedicated to promoting growth and opportunity throughout California—offering access to one of the state’s most senior teams of seasoned commercial bankers, knowledgeable in a wide range of commercial industries and business sectors. Chances are, whatever your business, we have a banker that understands it. Financing & Credit 1

Financing Options Lines of Credit Term Loans Equipment Financing Equipment Leasing 2 Equipment Term Loans Equipment Finance Line

Credit Cards

Real Estate Financing Owner-occupied Real Estate Financing Multifamily and Commercial Real Estate Financing Residential Development Employee Stock Ownership Plans Merger & Acquisition Financing Loan Syndications

Business credit cards offering rewards Business credit cards offering cash back Business credit cards offering our lowest rates Commercial credit cards

There are certain business sectors where CB&T has particular proficiencies in providing robust financial solutions. If you do business in any of the business sectors listed, we welcome the opportunity to discuss your specific banking needs and, together, develop the solution that works best for your organization. Specialty Banking & Financing 1

Business Sector Experience

Non-Profit Banking and Financing Family Business Banking and Financing Power and Project Financing

Municipal Finance and Government Banking Municipal Underwriting 3

1 Loans are subject to credit approval. Terms and conditions apply.

2 Certain criteria apply. See a specialist for details. Equipment lease financing is offered through Zions Credit Corporation, a subsidiary of ZB, N.A.

3 Municipal underwriting services offered by the bank dealer department of ZB, N.A.

4

Deal with the complexities of your business, simply.

Checking & Savings

Checking

Primary Business Checking Accounts Keep your business moving with accounts built to make your banking simple Business Checking with Interest Accounts Earn interest on your account balances Analyzed Checking Accounts For large businesses that have the highest level of account activity and typically need treasury management services Specialty Business Checking Accounts For non-profit organizations Interest on Lawyers Trust Accounts (IOLTA)

It’s as simple as consulting with your CB&T commercial banker and, together, determining which of our many commercial checking and savings options available to you are best suited to meet your unique business needs. You can choose your accounts based on a number of features, including transaction volume, minimum balances and fee schedules. Depending on which you choose, you may have the flexibility to use many different treasury management solutions and could even have the activity aggregated to potentially pay for various banking fees using compensating balances.

Savings

Business Savings Accounts Traditional savings Business Money Market Accounts Offering competitive tiered interest rates with flexible access to your funds Certificates of Deposit Maximize your savings for a fixed period of time

Depending upon the account type you choose, benefits may include: • Debit Card

• e-Documents • Mobile Banking • Mobile Check Deposit

• Online Banking • Digital Payments

5

calbanktrust.com

6

If it’s critical to your business, it’s critical you work with specialists.

Treasury Management

At CB&T, we’re more than just commercial bankers. We’re treasury management specialists. Seasoned and savvy, we provide treasury management services with a keen eye on your specific business—and opportunities for operational improvement. Better still, all these services are available to you through Treasury Gateway, ® our online portal that combines all your treasury management login credentials into one place, allowing you access to multiple services simultaneously. We regularly consult with our clients on the best ways to improve receivables and payables, employ management tools and use new technologies to help streamline operations. And help your business grow.

Information Management Online Banking Mobile Banking >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12

Made with FlippingBook flipbook maker