Small Business Solutions

Unlimited 2X Rewards on All Purchases

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See all the ways a Business Rewards Credit Card can help you and your business.

  • Unlimited 2X reward Points1 and points that never expire
  • 60,000 bonus Points when you open new account and spend $5K within 90 days—that’s a $450 value2
  • No annual fee1

Limited Time 5.50% Fixed-Rate Business Term Loan3

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  • A business term loan can help your business cover major expenses, such as equipment and technology
  • Up to 100% financing
  • And get an extra 20% financing on purchases covering installation and setup costs
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Financing Your Business

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Financing that’ll help cover the good opportunities and the unexpected ones, too.

  • Enjoy a fixed monthly payment over longer pay periods with business term loans and owner-occupied commercial real estate loans
  • Get back-up access to funds with business lines of credit
  • We’re a SBA Preferred Lender4 with terms up to 25 years and as little as 10% down

We’re Local. Find Your Nearest Branch.

Closing Cost Credit on Owner Occupied Commercial Real Estate Loans

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  • Purchase new property, refinance an existing loan to reduce payments, or renovate an existing facility
  • Limited-Time Offers: Get a closing cost credit of up to $3,000 on Owner Occupied Commercial Real Estate loans up to $2.5 million5or a credit of up to $10,000 on SBA4 Owner Occupied Commercial Real Estate loans up to $15 million6

A Great Rate for Your Extra Cash

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  • Limited-Time Offer: 12-month introductory APY of 0.75% APY, 1.00% APY, or 1.26% APY on amounts starting at $50K—up to $2.49M with a Business Money Market Select (APY based on deposit amount)7
  • Easy access to your money, whenever you need8
  • Withdraw and deposit at our branches and ATMs
Picture of Michael Feno, Owner, Lucca Ravioli Co. and a Bank of the West customer.


We don’t have to worry about deposits or processing with Bank of the West. It allows me to get back to my customer.

- Michael Feno, Owner, Lucca Ravioli Co.,
Bank of the West customer


 Watch how we help Michael

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Keep Your Cash Flowing

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Steady, day-to-day cash flow is vital to every business. We can help with tools that’ll keep your cash flowing nicely.

  • Same-Business-Day funding9 at no extra charge with Merchant Services
  • Checking and saving options tailored to your business
  • Deposit checks right from your desk with a desktop scanner
  • Get back-up access to funds with business lines of credit

Get Your Funds Today with Merchant Services

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Enjoy same-business-day funding9, at no extra charge, and no long-term commitments.

  • Accept all payment types anywhere you do business
  • Grow your sales with eCommerce, gift card solutions, and more
  • Protect your business and customers with chip card encryption and tokenization solutions
  • Limited-Time Offer: Get up to $500 instant credit on POS equipment10

Business Checking with No Monthly Fee11

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  • Limited-Time Offer: Classic Business Checking with no monthly service charge11
  • Online and mobile banking convenience
  • Customize your experience with Merchant Services and other tools to simplify your every day

Make Fewer Trips to the Bank

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The only thing better than working with you personally is saving you valuable time depositing all those checks.

  • Deposit checks securely from your office with a desktop scanner
  • Get your cash faster by depositing checks as you receive them
  • Limited-Time Offer: Try Electronic Deposit Services for 3 months with no monthly charge. As low as $25 per month after.12

Legal information and Disclosures

All limited-time offers are effective April 28, 2018 through June 15, 2018.
Loans are subject to credit approval and are for business purposes only. Offer, terms, and conditions are subject to change at any time without prior notice. Conditions, fees, and restrictions may apply. All loan offers require automatic payment from a Bank of the West business checking account. Offer available for applications received and completed between April 28, 2018 and June 15, 2018. Offers available for new Bank of the West loans only.

1 Points are earned for every $1 in qualifying net purchases on the Business Rewards Card. There is no limit to the Points and the Points have no expiration date as long as the account remains open and in good standing. Limit one Bonus per Account. Bonus reward Points offer is only valid for new Business Rewards Credit Card accounts; if qualifying purchases totaling $5,000 or more are made within 90 days of account opening, 60,000 bonus Points will be posted to the account within 150 days of account opening. Qualifying purchases (purchases minus any returns or adjustments) can be made by any and all cardholders on a single Account. Offer may not be combined with any other special offer. Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the Account do not count as purchases. Accounts must be open and in good standing to claim and redeem Points. Standard variable APR for purchase and balance transfer transactions is currently 15.24%. For additional credit card pricing information, see the Pricing and Terms for Business Rewards Credit Card information provided with your application. Terms, conditions and other restrictions may apply.

2 60,000 Reward Points is a $450 value when redeemed for gift cards.

3 Fixed rate of 5.50% is for loans up to $100,000 for up to a 5-year fully amortizing term.

4 SBA loans from Bank of the West are in participation with the US Small Business Administration. Loans are subject to approval in accordance with both Bank of the West and SBA eligibility and lending guidelines. Certain fees, conditions and additional restrictions may apply.

5 The closing cost credit will be applied on the settlement statement as a credit towards third-party fees such as appraisal, title policy and environmental fees incurred during the loan process. If the actual third party fees incurred are less than the advertised credit amount, no further credit will be given. The fee credit cannot be combined with any other loan offers. A credit up to $500 will be applied for loans between $150,000 and $500,000 and a credit up to $3,000 will be applied for loans between $500,001 and $2,500,000.

6 A good faith deposit will be required upon accepting Bank of the West approval. If applicant withdraws the loan request after issuance and acceptance of Bank of the West’s Commitment Letter, all 3rd party costs incurred, must be paid by the borrower. A credit up to $3,000 will be applied for SBA loans between $150,001 and $1,000,000. A credit up to $5,000 will be applied for SBA loans between $1,000,001 and $5,000,000. A credit up to $10,000 will be applied for SBA loans between $5,000,001 and $15,000,000. If the actual third party costs incurred are less than the advertised credit amount, no additional credit will be given. Credit cannot be applied toward SBA packaging or participation fee.

7 Open a new Business Money Market Select account at a Bank of the West branch between April 28, 2018 and June 15, 2018 with a minimum opening deposit between $50,000 and $2,499,999 with new funds to Bank of the West. Opening deposit must be received and posted to the account no later than June 15, 2018. Personal, Commercial, Public Funds and employees of Bank of the West and its affiliates are not eligible for this offer. All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges.

Introductory APY Offer Limitations
The 12-month Introductory Annual Percentage Yield (APY) of 0.75% is available on end-of-day collected balances of $50,000 to $99,999, and 1.00% APY on end-of-day collected balances of $100,000 to $249,999, and 1.26% APY on end-of-day collected balances of $250,000 to $2,499,999 for at least twelve (12) months (“Guarantee Period”) from receipt and posting of the opening deposit to the new account after which time non-introductory APY may apply. The initial application of the applicable Introductory APY on end-of-day collected balances from $50,000 to $99,999, and $100,000 to $249,999, and $250,000 to $2,499,999 on a new Business Money Market Select account will be effective the second business day following the business day of the opening deposit. Daily collected balances less than $50,000 and greater than $2,499,999 will receive the non-introductory APY. Offer available only for a new Business Money Market Select account opened at a branch between April 28, 2018 and June 15, 2018 with new funds to Bank of the West.

Interest and APYs
For the Business Money Market Select account, interest will be paid on the entire collected balance of the account based on the balance tier into which the end-of-day collected balance falls. The Annual Percentage Yields (APY) are effective April 28, 2018 and are as follows: $0.00 to $49,999 is 0.02%, $50,000 to $99,999 is 0.75%, $100,000 to $249,999 is 1.00%, $250,000 to $2,499,999 is 1.26%, $2,500,000 and above is 0.15%. During the Guarantee Period, the interest rates and APYs for the $0 to $49,999 and $2,500,000 and above tiers are variable and are subject to change at our discretion. The Introductory APYs are expected to end on April 30, 2019 for accounts opened between April 28, 2018 and April 30, 2018 and on May 31, 2019 for accounts opened between May 1, 2018 and May 31, 2018 and July 1, 2019 for accounts opened between June 1, 2018 and June 15, 2018. Accounts opened earlier in any of those three time periods may earn the Introductory APY for more than 12 months. Upon expiration of the Guarantee Period, interest rates and APYs on all balance tiers are variable and may stay the same or may be changed at our discretion. Fees could reduce the earnings on the account.

8 Transaction limits may apply.

9 Applies only to transactions that are electronically deposited into your Bank of the West account. Transaction files received by 7:00 p.m. PT will be funded to a Bank of the West checking account the same business day. Files received after 7:00 p.m. PT will be funded the next business day. Excludes weekends and holidays. Transaction limits and restrictions may apply.

10 Promotional offer and Merchant Services, Poynt, and other EMV® equipment 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. Offers apply only to new Bank of the West Merchant Services customers who are approved for a new Merchant Services account between April 28, 2018 and June 15, 2018. Customers can receive an instant credit of up to $500 for Poynt, other EMV terminals, or tablet-based point-of-sale (POS) solutions. Instant credit for Poynt, other EMV terminals, or tablet-based POS solutions is provided as a reduction of equipment cost for Poynt, other EMV terminals, or tablet-based POS solutions not to exceed $500. The ICT 220 terminal, EMV mobile devices and mobile PIN pad devices do not qualify for these offers. Leased equipment does not qualify for any instant credits.

11 Classic Business Checking offer available for new business checking account customers and existing business customers without a Bank of the West business checking account opened between April 28, 2018 and June 15, 2018. Minimum opening deposit of $100. Offer subject to approval and can be changed without notice. All other fees and charges will apply. Refer to your Schedule of Fees and Charges for Business accounts.

12 This offer is available to new EDS customers only who sign up for Electronic Deposit Service between April 28, 2018 and June 15, 2018. Customers will be charged a $25 monthly maintenance fee for a single-feed scanner bundle (standard price is $45 a month) or a $50 monthly maintenance fee for a multi-feed scanner bundle (standard price is $70 a month) starting on the 4th billing cycle (monthly maintenance fees for the first 3 billing cycles are waived). New customers can add additional accounts to EDS at no additional cost (standard price is $20 per account per month). Certain fees, restrictions, and other EDS charges may apply. See the Cash Management Terms and Conditions for more details. Offers, terms, and conditions are subject to change at any time without prior notice.