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One-Step Small Business Loans/Lines

Small Business Loan/Lines Amounts

From $10,000 to $250,000. Some limitations apply based on size and type of business.

Suite of Products

Line of Credit:

  • Use for short-term working capital, account receivable financing, inventory financing
  • Interest only with two-year maturity

Term Option

  • Use for equipment purchases, tenant improvement, business expansion
  • Fully amortized 1 to 5 years
Other Criteria
  • Minimum of two years in business
  • Business must be profitable
  • Acceptable credit histories
  • Each person with 20% or more ownership must personally guarantee
  • Loan must be secured by a first position lien, UCC-1 filing on all business assets and security agreement are required
  • Monthly interest payment must be deducted automatically from a San Diego National Bank Business Checking Account
Required Documentation

< $50,000

  • Complete application
  • Guarantor addendum (for all persons with 20% or more ownership)
  • Verification of liquid assets (i.e. bank statements, securities statements)
  • Legal documentation (i.e. articles of incorporation, fictitious name statement)

$50,000 - $250,000

  • Complete application
  • Guarantor addendum (for all persons with 20% or more ownership)
  • Verification of liquid assets (i.e. bank statements, securities statements)
  • Legal documentation (i.e. articles of incorporation, fictitious name statement)
  • Last two years: federal tax returns for business
  • Last two years: federal tax returns for each guarantor
  • Sole proprietorships must submit last two years: end financial statements (including balance sheet)
  • Current interim financial statements for business
  • Current account receivable aging (if applicable)

Click here to print out application. (Requires Acrobat Reader)
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Please forward completed application to Terrece Madrigal or drop the completed application off at the San Diego National Bank Branch nearest you.

One-Step Small Business Loans/Lines Frequently Asked Questions