Not-For-Profit Financing

Financing not-for-profits requires special knowledge on the part of the lender. Our relationship managers understand the unique structure of the financial information provided by these organizations. This enables us to clearly analyze the financial needs and the repayment sources available. Where conventional commercial lenders require identifiable secondary and tertiary repayment sources, we strive to evaluate the intrinsic value of the organization. Through this analysis we are able to credit-qualify organizations that are often overlooked by other lenders.

  • LINES OF CREDIT
    We understand that your organization's cash flow is often subject to unpredictable fluctuations. While commercial ventures typically require lines of credit to finance fluctuations in receivables and inventory, not-for-profit organizations require lines of credit to support overhead during periods of minimal or no revenue.

  • TERM LOANS
    We offer term loans to acquire fixed assets such as equipment, furniture, and fixtures. We are able to be flexible in the structuring of the payments to correspond with the projected cash flow, even if it requires varying the payment amount.

  • REAL ESTATE LOANS
    Service 1st Bank provides loans to purchase, construct, improve, or refinance real estate. Often not-for-profit organizations need to finance unique properties that conventional lenders shy away from. We believe it is more important to qualify the organization than the property type.
Frank Medo
 Dana Bagley
Frank Medo
Vice President
Relationship Manager
Lodi
209-333-5002
fmedo@service1stbank.com		 Dana Bagley
Assistant Vice President
Relationship Manager
Stockton
209-644-7829
dbagley@service1stbank.com

Steve Mizuno		  
Steve Mizuno
 Senior Vice President
Manager
Tracy
209-820-7924
smizuno@service1stbank.com