Commercial Real Estate Loans

Commercial Real Estate Loans

Consider a commercial real estate loan to re-amortize an existing loan balance and lower your monthly payments. Loans are also available to purchase new commercial real estate. We offer flexible terms, with up to a 30-year amortization depending on the useful life of the property, and fixed or variable rate options.

Long-term Financing

  • Owner occupied commercial real estate
  • Non-owner occupied real estate
  • Multi-family dwellings
  • Mixed use properties
  • Commercial buildings
  • Vacant land
  • Special purpose buildings, such as hospitality, mini storage, specialty healthcare, etc.

Nonprofit lending is also available!

Bridge Loans

Bridge loans give you the option to take more time between transactions by providing short-term financing to close on a new property using the equity in your current property while you prepare to sell. In today's real estate market, sale-contingent offers can make sellers nervous and can put you at a disadvantage if you are competing with multiple offers.

Our bridge loans are specialized and tailored to your specific needs until you’re able to secure long-term financing. We also offer both reverse or traditional 1031 exchange loans.

Does a bridge loan sound right for you? Our residential lending experts are here to help!

Ask an Expert

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Andrew Chung

Vice President, Sr. Commercial Banking Officer

Send E-mail
805-730-7862
NMLSR: #1460572
Location: Santa Barbara

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Stephanie Marden

Vice President, Commercial Banking Officer

Send E-mail
805-540-6231
NMLSR: #1821456
Location: San Luis Obispo

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Jason Wilson

Senior Vice President, Sr. Commercial Banking Officer

Send E-mail
805-730-7863
NMLSR: #1460816
Location: Santa Barbara

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SBA 504 Loans

Fixed-asset financing to assist you in expanding your businesses, such as real estate purchases or machinery and equipment with a longer useful life.

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Ag Loans

Let our industry experts work with you to determine the right financial solutions to weather the cycle.

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Commercial Loans and Lines of Credit

Capitalize on growth opportunities with tailored expertise aligned to your vision, goals, and strategies.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"We were just one location with a great product and great sales, but most banks wouldn't help us with the financing we needed to expand. So we talked to a bank in our own backyard: American Riviera Bank. Now we have six locations and a great relationship with American Riviera Bank."
Dan Goddard and Pete Heth, Backyard Bowls