Our branches and contact center will be closed on Monday, 5/25/15, in observance of Memorial Day.
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Government Guaranteed

We have solutions for small businesses looking to grow but finding it difficult to qualify for conventional financing.
 

Government-Guaranteed Loans

Looking to grow your small business and finding it difficult to qualify for conventional financing? Solutions include SBA 7(a) term loans and Cal Southern SBDC term loans and lines of credit.
 

U.S. Small Business Administration (SBA) Loan Programs

SBA 7(a) Loans

Borrow funds for nearly any business purpose - acquiring a business, expanding/renovating facilities, purchasing equipment, or increasing working capital. Small Business Administration (SBA) 7(a) loans are backed by the government and designed to meet a variety of your small business's capital needs.
  • The most basic and most used SBA business loan
  • Ideal for small businesses looking to grow yet finding it difficult to qualify for conventional financing
  • Interest rate varies based on loan size, term and purpose
  • Borrower must maintain their primary business deposit relationship with North Island
  • Visit the SBA website for eligibility, terms, and max loan amount
To apply or for more information, please contact:
Gil Espino (619) 656-7108 | email Gil
 

SBA 504 Loans

Small Business Administration (SBA) 504 loans are backed by the government and designed to provide long-term, fixed-rate financing for major fixed assets, such buildings and equipment. These loans are ideal for small businesses looking to grow yet finding it difficult to qualify for conventional financing.
  • Down payments as low as 10%
  • Interest rate depends on size, term and use of proceeds
  • The 504 Program cannot be used for working capital or inventory, consolidating or repaying debt
  • Borrower must maintain their primary business deposit relationship with North Island
  • Visit the Small Business Finance website for eligibility, terms, and max loan amount
To apply or for more information, please contact:
Gil Espino (619) 656-7108 | email Gil
 

State Guaranteed Loan Programs

Cal Southern SBDC Loans

The California Southern Small Business Development Corporation (SBDC) guaranteed loan program is designed to assist local companies with business purchases, equipment financing, accounts receivable financing, etc. California Southern Small Business Development Corporation (SBDC) guaranteed lines of credit and term loans are designed to assist local companies.
  • Guarantees can be issued on short term loans, revolving lines of credit, and term loans for asset purchases, purchases of existing business, or for establishing a new business
  • Ideal for small businesses looking to grow yet unable to qualify for conventional financing
  • Borrower must maintain their primary business deposit relationship with North Island
  • Visit the Cal Southern website for eligibility, terms, and max loan amount
To apply or for more information, please contact:
Gil Espino (619) 656-7108 | email Gil
 
Terms & Conditions
Programs (including but not limited to fees, rates, and features) are subject to change without notice.