FIND BUSINESS SOLUTIONS
TAILORED TO YOUR NEEDS

Take advantage of special offers available through June 6, 2014.

Contact a Banker

Financing Options

Choose the business financing option that can help you reach your goals, and benefit from our limited time offers.

Owner-occupied Commercial Real Estate Loans1

  • Owner-occupied up to $2 million
  • Agricultural loans up to $1 million
  • SBA loans up to $15 million
  • With automatic payment from your Bank of the West business checking account

Secured Business Lines of Credit3

  • With minimum deposit to a Business Checking, Money Market or Savings account
  • $50,000 up to $750,000
  • With automatic payment from your Bank of the West business checking account

Business Equipment Secured Term Loan4

  • Great for new or used equipment purchases
  • Up to 20% for related purchase costs
  • With automatic payment from your Bank of the West business checking account

For a limited time, not only are we waiving the loan origination fee5 on business lines and loans up to $750,000 or owner-occupied commercial real estate loans up to $2 million, but we’ve also reduced the SBA loan origination fee to only 0.50% on first trust deed secured loans up to $15 million.

Business Solutions

For a limited time we have special offers on services and products designed to help meet your business needs.

Electronic Deposit Service6


Merchant Services by Elavon7


Business Checking Offers

  • Ask us how to get a scanner at no cost so you can make check deposits without leaving your desk.
  • Up to $200 flexible credit towards account set up costs.
  • $100 credit towards a gift card and/or loyalty program.
  • Choose the Checking account that best meets your needs – we offer Choice Business Checking as well as a promotional offer for our Classic Business Checking8.
  • Take advantage of free access9 to Check Recovery services (by Fiserv).

Bank of the West products are offered to the residents of the states of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming. In South Dakota, Bank of the West operates as Bank of the West California.

All offers are effective April 19, 2014 through June 6, 2014. Offers, terms, and conditions are subject to change at any time without prior written notice. Other conditions, fees and restrictions may apply. Rates are subject to change and depend on terms. All loan offers require automatic payments from a Bank of the West business checking account. Loans and leases are subject to credit approval. Offers valid for applications received and completed between April 19, 2014 and June 6, 2014. Offers available for new Bank of the West loans only.

1 “Owner-occupied” is defined as occupying 51% or more of the space. Commercial properties only. Offer not available for some types of properties including residential properties. Offer applies to new, owner-occupied commercial real estate loans with a 20-year term, 20-year amortization in loan amounts up to $2 million (Ag loans up to $1 million, SBA loans up to $15 million). SBA loans from Bank of the West are in participation with the United States Small Business Administration and are subject to approval in accordance with Bank and SBA eligibility and lending guidelines.

2 When you open your account under this credit offer, the minimum interest rate for lines of credit will be Bank of the West Prime rate (as of 03/14/14 is 3.25%) for the first year of the line of credit. Thereafter, the interest rate will be subject to a minimum interest rate of 4.0%.

3 Offer available for new secured lines of credit only. Offer not available for renewals or modifications of existing Bank of the West lines of credit. Secured line of credit offer requires a minimum deposit of $100,000 with new funds to Bank of the West in a business deposit account (Checking, Savings or Money Market only) or a minimum deposit of $50,000 with new funds to Bank of the West in a Choice Business Checking or Analyzed Business Checking account. Variable rate of Bank of the West Prime plus 0% applies to new secured lines of credit between $50,000 and $750,000.

4 Applies to new secured business term loans between $50,000 and $750,000. Term determined by Bank of the West. Up to 100% financing on new or used equipment, plus up to 20% additional financing for invoiced costs related to purchase. Standard lease options are also available.

5 Business Credit Solutions loan origination fee waiver does not apply to loan closing costs including but not limited to: appraisal, environmental, title, flood and rate buy down.

6 The offer includes one free Electronic Deposit Service (EDS) scanner per customer, regardless of the number of business locations. A free scanner is only available to new EDS customers and requires a two-year contract. The cancellation fee is equal to the full value of the scanner, and will be charged to the customer’s associated checking account if EDS is cancelled within two years of implementation. See the Cash Management Terms and Conditions for more details.

7 Merchant Services provided by and subject to approval by Elavon. Elavon is not a Bank of the West affiliate. Bank of the West does not offer, control, or guarantee the services of Elavon and makes no representation or warranties regarding the services. All applicable fees must be collected upfront and new Elavon merchant services account must be activated by July 31, 2014 to qualify for up to $300 in savings, as follows: Up to $200 flexible credit applicable towards account set up costs, $100 credit towards the purchase of a gift card and/or loyalty program. Accounts that are set up under Elavon’s Clear & Simple pricing structure are eligible for up to $100 flexible credit towards account set up costs and a $100 credit towards the purchase of a gift card and/or loyalty program. Credits will be applied to merchant’s Elavon statement as a credit the month after account activation.

8 Classic Business Checking offer available for new business checking account customers and existing business customers without a Bank of the West business checking account on Classic Business Checking accounts opened between April 19, 2014 and June 6, 2014. Minimum opening deposit of $100. No monthly service charge. No minimum ongoing monthly balance requirement to avoid the monthly service charge. All other fees and charges will apply, including fees for transactions exceeding checking account transaction allowance, if applicable, and overdraft charges. Refer to the Schedule of Fees and Charges for Business Deposit Accounts for more information.

9 Service offered independently by Fiserv. Fiserv is not a Bank of the West affiliate. Bank does not offer, control, or guarantee the services of Fiserv and makes no representation or warranties regarding the services.