Loans & Lines of Credit

Commercial Real Estate Loans

Alta Alliance Bank is ready to help you and your business purchase, obtain or improve real property. Our Commercial Real Estate Loans are term loans that are secured by income-producing real estate for investors or owners, and are generally used to finance or re-finance real property.

Term Loans - We offer a variety of options to finance or refinance income-producing and owner-occupied real estate. Our term loans are individually tailored to your financing needs and can be either variable or fixed interest rates for a term up to 25-years. Generally, these loans are secured by a first deed of trust on the property.

Loan Package Requirements:
Borrower and/or Guarantor(s)*:

Signed personal financial statements with detailed footnotes and supportable data, such as basis of values, details of debt, verification of liquidity, contingent liabilities, etc.
Federal tax returns and financial information on applicable partnerships for the most recent three years.
Resume or biography.

Understanding the Loan Process

Conceptual idea of project. You should contact a contractor or architect to discuss and obtain preliminary conceptual design and costs.
Contact Alta Alliance Bank to schedule a meeting with one of our Real Estate professionals to discuss the project and decide on an appropriate course of action based on the merits of the project.
Submit a complete loan request package to Alta Alliance Bank. If the project meets our underwriting criteria an appraisal and other third-party investigations will be ordered. These costs are borne by the borrower and generally are paid prior to engaging the services of the third-party providers. The due diligence and loan underwriting process begins at this point.
If we decide not to continue with your request, we will contact you and advise you of our concerns. You may correct any deficiencies within your ability and resubmit the loan package for our re-review.
The complete loan package is then underwritten for conformity with the Bank's lending standards. All decisions are made locally and in an expeditious manner.
On notification of approval the loan will be documented and closed at a convenient location. This may be at a title company or at the bank or if so desired at another suitable place that is convenient for you.
Our commercial real estate professionals are committed to promptly responding to your financing needs, and we welcome the opportunity to work with you!

Equipment Loans

Alta Alliance Bank's Equipment Loans are designed to provide you and your company with valuable financing alternatives. We offer all types of equipment leasing and financing options, such as upgrading your technology, expanding your product line or increasing your plant's efficiency. Our equipment-financing plans are tailored to meet your needs.

Letters of Credit

An Alta Alliance Bank Letter of Credit can help your business secure the purchase of goods on a domestic or international level. Our lending professionals can help you structure your trade transactions to avoid the discrepancies and inconsistencies that can result in increased costs, delays and potential loss of business.

Loans - Other

Overdraft Protection

Protect your business account from an overdraft with Alta Alliance Bank's Reserve Line.

Our Reserve Line is a revolving line of credit that is attached to your checking account. Funds are automatically transferred from your Reserve Line's available credit limit to your checking account to pay for checks or other items that are larger than your checking account's balance.

Need additional cash in a hurry? You can also initiate advances against your Reserve Line for any amount up to your credit limit to help pay for expected or unexpected expenses. You simply repay the amount of the line used in full, or in monthly installments.

There's no need to worry about overdrawn accounts - or overdraft fees - with Alta Alliance Bank's Reserve Line. Please contact one of our loan officers to learn more.

Revolving Lines of Credit

An Alta Alliance Bank Revolving Line of Credit provides the flexibility to take advantage of business opportunities as they arise. Your business can borrow, repay and borrow again up to the original amount committed by Alta Alliance Bank throughout the life of the loan. This type of credit facility is typically repaid from your business' operating cash flow (i.e. the collection of receivables). You can use a line of credit to fund seasonal changes in inventory and receivables, take advantage of vendor discounts or meet unexpected cash needs. Lines of credit are a cost-effective way to borrow and repay what your business needs when you need it.

SBA Loans

Are you starting or expanding a new business? Successful entrepreneurs realize that a key component is obtaining appropriate financing - but soon discover that it can be a complex and frustrating process. The Small Business Administration (SBA) offers a variety of financing options for small businesses. Long-term loans for Real Estate acquisition are available from Alta Alliance Bank and the SBA to meet your needs.

Secured Loans

A Secured Commercial Loan from Alta Alliance Bank may be the answer to funding your equipment purchases, financing real estate, extending working capital or restructuring debt. Our loan officers have the expertise to help you make the right decision for your business. We offer customized repayment terms and competitive pricing to meet your needs.

Unsecured Loans

An Unsecured Commercial Loan from Alta Alliance Bank may be the answer to funding your equipment purchases, financing real estate, extending working capital or restructuring debt. Our loan officers have the expertise to help you make the right decision for your business. We offer customized repayment terms and competitive pricing to meet your needs.