We focus on your finances, so you can focus on your practice

Meeting the challenges of running a successful practice requires a business banking partner that understands the needs of a practice and has what it takes to help you succeed.

At Bank of the West, we take the time to get to know you and your business, so we can provide the guidance, and integrated solutions to help you reach your goals––whether you’re just starting a practice, expanding or growing it, or transitioning to your next chapter.

You can count on our knowledgeable team of professional business bankers for the personal service and skilled support you need every step of the way.

Flexible financing to put your plans into motion

We can help you move your practice forward with the financing you need to reach your goals.

Acquire, buy in, expand or refinance a practice


With our Practice Finance Term Loan1, you can you can get up to 100% financing, a fixed-rate term up to 10 years, and predictable monthly payments to:

  • Buy an existing practice
  • Buy into an existing practice or become a partner
  • Expand or add a location
  • Refinance practice debt

We also offer SBA financing for Medical Startups.

Finance commercial real estate


Purchase or refinance owner-occupied property with a commercial real estate loan. We offer fixed rates, terms up to 20 years and payment options spread over 30 years.
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As an SBA Preferred Lender, we also offer Small Business Administration (SBA) loans to purchase commercial property –– from $50,000 to $25 million with fully amortizing terms up to 25 years and 90% financing.2
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Loans and lines of credit are subject to credit approval and for business purposes only. Terms, conditions, fees and other restrictions may apply. Rates are subject to change and depend on terms.

1 Practice Finance Business Term Loan: This loan is available for offices of dentists, optometrists, podiatrists, physicians, veterinary services, and certified public accountants for the purpose of financing the acquisition buy-in, expansion or refinance of their practice and the purchase of equipment.

2 SBA loans from Bank of the West are in participation with the United States Small Business Administration. Loans are subject to approval in accordance with Bank and SBA eligibility and lending guidelines.

The cash you need, when you need it


We can help you be prepared with working capital for the expected, as well as the unexpected.

Expand or improve your office


Add on, build out or remodel your office to meet the changing needs of your practice with our Flex Line Term Loan––and make interest-only payments during the 12-month draw period. Then the balance converts to a fully amortized, fixed-rate loan with predictable payments and a term of up to nine years.
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Upgrade equipment or add new technology


We offer 100% financing––plus up to 20% additional financing for related purchase and setup costs––to help you get the most up-to-date equipment, technology and systems to keep your practice competitive.
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Be prepared with a cash reserve


A business line of credit can help you manage through insurance reimbursement cycles, cover short-term needs, and take advantage of unexpected opportunities.
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Loans and lines of credit are subject to credit approval and for business purposes only. Terms, conditions, fees and other restrictions may apply.

Rates are subject to change and depend on terms.

Solutions to simplify your finances and boost efficiency

Time is money. Make the most of both with our complete suite of cash flow solutions.


Give patients more ways to pay


With Bank of the West Merchant Services1, you can:

  • Accept major credit and debit cards––and allow patients to schedule recurring or installment credit card payments
  • Get faster access to funds when patient payments are deposited same-business-day2
  • Protect your practice and patients from fraud with our advanced security solutions––including EMV chip-card-compliant terminals
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Streamline spending and recordkeeping


Gain more control over purchasing, easily track spending and earn rewards for yourself when you pay for expenses with our Business Rewards MasterCard®.
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Gain more control over cash flow


Streamline your payables and receivables––and protect your practice from fraud––with our Cash Management solutions, including:

  • Electronic Deposit Service (EDS) - helps you save time by making check deposits without leaving your office
  • Automated Clearing House (ACH) services - make it easy to send and receive electronic payments, and have more control over your funds.
  • Fraud Protection services - enable you to monitor and manage account activity and keep your practice finances safe
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Be prepared with a cash reserve


A business line of credit can provide the funds you need whenever you need them to manage through insurance reimbursement cycles and cover short-term needs.
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Simplify your day-to-day finances


Seamlessly integrate your Choice Business Checking3 account with a Business Money Market Select account, and take advantage of benefits including:

  • Unlimited monthly transactions4
  • 24/7 Mobile Banking and Business Online Banking with Bill Pay.
  • Higher interest rates on a linked Business Money Market Select account5
  • Options to rebate part or all of the monthly service charge6 when you maintain balances or bundle business services such as Merchant Services, Payroll,7 EDS, or Business Rewards Credit Card
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All accounts are subject to Bank’s standard terms and conditions and fee schedules. Loans and lines of credit are subject to credit approval and for business purposes only. Terms, conditions, fees and other restrictions may apply. Rates are subject to change and depend on terms.

1 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.

2 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.

3 Minimum opening deposit of $100 required.

4 Fees may apply to coin and currency deposited or supplied per month in excess of $10,000.

5 To receive higher interest rates on selected balance tiers on your Business Money Market Select account, it must be linked to an active Choice Business Checking account. Your checking account is active when you have at least two customer-initiated account transactions during the previous monthly statement cycle.

6 For new accounts, the monthly service charge of $20 on Choice Business Checking will be rebated for the first two statement cycles. Thereafter, the monthly service charge on Choice Business Checking may be fully rebated by: (1) maintaining a $6,000 minimum daily balance in the account; (2) maintaining a $15,000 average monthly combined balance in linked business money market, savings, and CD accounts; or (3) having at least three of the following Relationship Services (i.e., Merchant Services offered by Elavon, Business Credit Card, Electronic Deposit Service (EDS), or Payroll Services). If only one Relationship Service is maintained, you can receive a $5 partial rebate of your monthly service charge. If you maintain two Relationship Services, you can receive a $10 partial rebate of your monthly service charge. The monthly service charge on Choice Business Checking and any applicable rebates will be assessed on the first business day of the statement cycle for the previous statement cycle’s activity.

7 Payroll services provided by and subject to approval by ADP® or, in Northern California, Oregon, Washington and Idaho, by PrimePay. PrimePay® is a registered trademark of PrimePay, Inc. Payroll services provided by and subject to approval by PrimePay. PrimePay is not a Bank of the West affiliate. Bank of the West does not offer, control, or guarantee services of PrimePay and makes no representations or warranties regarding the services.

Strategic planning for what’s ahead

Your business banker can bring together a team of specialists to help you shape your financial future and pursue your short- and long-term goals.

Manage your personal finances


We can help you align your personal finances with:

  • Bank of the West Premier Program – This exclusive program rewards you for your total deposit balances, and investment balances with our affiliate, BancWest Investment Services*––providing a higher level of service and valuable benefits.
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  • Wealth Management – Our Advisors work with you to develop a comprehensive financial strategy that includes wealth and investment management* and private business owner solutions.
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Protect your practice


We can help you manage the risks that are inherent to running a practice. Drawing on our experience with a wide range of practices, we can help you identify and implement an appropriate back-up plan for unforeseen events.


Develop a succession or transition plan


It can be hard to step away from the practice you've spent years building, and leaving your patients in the care of someone else. But it’s critical to have a succession plan in place long before you're ready to exit. Our advisors in Wealth Management can help you build a comprehensive plan that can help you move on to the next phase of your life with peace of mind.
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Set your retirement up for success


Selling your practice may be part of your retirement plan, but there are other considerations as you work towards a comfortable retirement. We work with you to analyze your current accounts––as well as your future spending and cash flow needs––to develop a long-term retirement plan.
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Bank of the West Wealth Management Group offers products and services through Bank of the West and its various affiliates and subsidiaries.

*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA / SIPC and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321) and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY, HI, Guam and CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

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