Commercial Banking Products & Services
Choose your bank as if your business depended on it. Because it does.
If your bank isn’t helping lead the way,
it’s in the way.
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Commercial Banking
Navigating the financial complexities involved in running a commercial business requires a wealth of industry knowledge and a breadth of financial resources not easily found with traditional banks. That’s why an ever-growing number of California businesses are turning to California Bank & Trust (CB&T) for their commercial banking needs. For more than 60 years, we’ve been helping them succeed through our proprietary blend of financial acumen, marketplace knowledge and customizable banking solutions. Add to that our relationship-is-everything philosophy, direct access to decision makers, and unparalleled responsiveness to your needs, and you have someone who can lead the way to wherever it is you want to go.
Flexible programs. Competitive terms.
And the help you need to choose the best of both.
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CB&T offers a dynamic combination of products and services that provide you with a critical business advantage: the ability to build financial solutions specific to your business needs and market conditions. We’re dedicated to promoting growth and opportunity throughout California—offering access to one of the state’s most senior teams of seasoned commercial bankers, knowledgeable in a wide range of commercial industries and business sectors. Chances are, whatever your business, we have a banker that understands it. Financing & Credit 1
Financing Options Lines of Credit Term Loans Equipment Financing Equipment Leasing 2 Equipment Term Loans Equipment Finance Line
Credit Cards
Real Estate Financing Owner-occupied Real Estate Financing Multifamily and Commercial Real Estate Financing Residential Development Employee Stock Ownership Plans Merger & Acquisition Financing Loan Syndications
Business credit cards offering rewards Business credit cards offering cash back Business credit cards offering our lowest rates Commercial credit cards
There are certain business sectors where CB&T has particular proficiencies in providing robust financial solutions. If you do business in any of the business sectors listed, we welcome the opportunity to discuss your specific banking needs and, together, develop the solution that works best for your organization. Specialty Banking & Financing 1
Business Sector Experience
Non-Profit Banking and Financing Family Business Banking and Financing Power and Project Financing
Municipal Finance and Government Banking Municipal Underwriting 3
1 Loans are subject to credit approval. Terms and conditions apply.
2 Certain criteria apply. See a specialist for details. Equipment lease financing is offered through Zions Credit Corporation, a subsidiary of ZB, N.A.
3 Municipal underwriting services offered by the bank dealer department of ZB, N.A.
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Deal with the complexities of your business, simply.
Checking & Savings
Checking
Primary Business Checking Accounts Keep your business moving with accounts built to make your banking simple Business Checking with Interest Accounts Earn interest on your account balances Analyzed Checking Accounts For large businesses that have the highest level of account activity and typically need treasury management services Specialty Business Checking Accounts For non-profit organizations Interest on Lawyers Trust Accounts (IOLTA)
It’s as simple as consulting with your CB&T commercial banker and, together, determining which of our many commercial checking and savings options available to you are best suited to meet your unique business needs. You can choose your accounts based on a number of features, including transaction volume, minimum balances and fee schedules. Depending on which you choose, you may have the flexibility to use many different treasury management solutions and could even have the activity aggregated to potentially pay for various banking fees using compensating balances.
Savings
Business Savings Accounts Traditional savings Business Money Market Accounts Offering competitive tiered interest rates with flexible access to your funds Certificates of Deposit Maximize your savings for a fixed period of time
Depending upon the account type you choose, benefits may include: • Debit Card
• e-Documents • Mobile Banking • Mobile Check Deposit
• Online Banking • Digital Payments
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If it’s critical to your business, it’s critical you work with specialists.
Treasury Management
At CB&T, we’re more than just commercial bankers. We’re treasury management specialists. Seasoned and savvy, we provide treasury management services with a keen eye on your specific business—and opportunities for operational improvement. Better still, all these services are available to you through Treasury Gateway, ® our online portal that combines all your treasury management login credentials into one place, allowing you access to multiple services simultaneously. We regularly consult with our clients on the best ways to improve receivables and payables, employ management tools and use new technologies to help streamline operations. And help your business grow.
Information Management Online Banking Mobile Banking Data Transmission Image Services Account Reconciliation
Receivable Solutions Merchant Services by First Data Merchant Services, LLC 1 Remote Deposit 2 e-Invoicing and Payments Cash Vault Lockbox ACH Collections 2
Payable Solutions ACH Disbursement Integrated Payables Electronic Funds Transfers Commercial Credit Card Controlled Disbursements Payroll Cards Zero Balance Accounting
Certain treasury management products and services may be subject to credit approval, contract and fees. Talk to a specialist for details.
1 All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Merchant Services products and services are provided by First Data Merchant Services LLC and not by California Bank & Trust, a division of ZB, N.A. 2 Subject to approval.
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Fraud Prevention Tools
Capital Management
Positive Pay Reverse Positive Pay ACH Positive Pay Fraud Alerts
Investment Sweep 3 Loan Sweep
3 Investment products offered through CB&T, a division of ZB, N.A. are NOT FDIC insured, are NOT deposits of, or other obligations of, or guaranteed by CB&T, a division of ZB, N.A., its affiliates, or any other bank and MAY be subject to investment risks, including the possible loss of principal value or amount invested.
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Take on the world from your own backyard. International Banking
Taking your business global is no easy task. Exciting for sure, but fraught with challenges. It’s because of those challenges that you’ll want the experience and guidance of CB&T.
Here, you’ll work with our acclaimed International Banking Group specialists who can help you manage currency risk and foreign sales payment risk, plus accelerate cash flow, improve profitability and reduce costs—all through a sophisticated array of international banking tools.
You’ll be ready to take on the world.
Foreign Exchange Services
Trade Services and Financing
Online Trade Portal
Spot Contracts Window Forward Contracts Participating Forwards International Money Transfers Forward Contracts Nondeliverable Forwards Currency Notes
Standby Letters of Credit Import Letters of Credit Export Letters of Credit Documentary Collections Trade Payable Financing Ex-Im Bank Programs
Import/Export Letters of Credit Documentary Collections Balance Reporting
Foreign Exchange transactions can involve a variety of potential risks, depending on the specific type of transactions and foreign currency. Before entering into any foreign exchange transaction, you should carefully consider whether the transaction is appropriate for you in light of your experience, objectives, financial and operational resources and other relevant circumstances.
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It doesn’t have to end here.
Call, visit our website or come in and speak to a commercial banker today.
(800) 355-0512 calbanktrust.com Come in
Equal Housing Lender | SBA Preferred Lender
A division of ZB, N.A. Member FDIC © 2017 ZB, N.A.
NMLS# 467014 | BK-BB-102 (10/17)
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