Business Loans

Our relationship managers are not just order-takers. They are trained to listen to you and structure a loan package that meets your current and future credit needs. Our commitment is to provide you with the best financial assistance available. Unlike other banks, we do not rely on just off-the-shelf canned loan products.

We expect our clients to use us as a resource in their overall financial planning. We will work with every client to customize a credit arrangement that fits you, not just the Bank. Often we end up providing a package of several different types of loans to meet the client's financing needs. Regardless of the type of financing, we are able to be creative with our loan structure. In certain situations we are able to increase our flexibility through Government Loan Programs.

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  • LINES OF CREDIT
    Lines of credit are used to finance seasonal working capital needs, support growing receivables and inventory; and provide short term flexibility in acquiring equipment.

  • TERM LOANS
    Term loans are used to acquire fixed assets, assist in capitalizing your business, or to provide a permanent increase in working capital.

  • REAL ESTATE LOANS
    Commercial real estate loans are used to purchase, construct, improve, or refinance owner and non-owner occupied property.

  • LEASING
    Service 1st Bank can assist you in obtaining an appropriate lease to acquire equipment furniture and fixtures through our various equipment leasing programs. Regardless of the type of financing, we are able to be creative with our lease structure. In certain situations we are able to increase our flexibility through Government Loan Programs and Professional Loans.
Dana Bagley Steve Mizuno
Dana Bagley
Assistant Vice President
Relationship Manager
Stockton
209-644-7829
dbagley@service1stbank.com		 Steve Mizuno
 Senior Vice President
Manager
Tracy
209-820-7924
smizuno@service1stbank.com
Frank Medo
Frank Medo
Vice President
Relationship Manager
Lodi
209-333-5002
fmedo@service1stbank.com