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Small Business Loan


ICBC (USA) brings experience to commercial real estate financing! Our dedicated staff of loan officers offers industry knowledge and market area expertise. We understand that each loan applicant has different needs and we focus on listening to your goals and coming up with a solution. We will structure a solution that meets your financing goals, whether you are looking for a loan to acquire an investment property, expand your current facility, buy a new office to expand your business, or refinance your current portfolio. With a team specializing in loan amounts no more than $2 million, we will be able to provide you expedited turnaround time for loan closing with streamline processing. Our dedicated loan officers are committed to guide you through every step of the loan application process. We will work closely with you to make your commercial real estate ownership a reward!

Collateral Types:

-- Multi-family
-- Mixed-Use
-- Retail
-- Office
-- Hotel/Motel
-- Industrial Building

Type of Financing:

-- Property purchase
-- Property refinance
-- Property cash-out refinance


-- Floating Rate, 2-year, 3-year. 4-Year, 5-Year, or 7-Year
-- Maximum Term is 10-year
-- 30-Year Amortization
-- Payments include principal and interest


-- Origination Fees: 0.50% of loan amount (collected at the time of closing)
-- Third Party Fees to be paid by borrower

Maximum Loan to Value:

-- 65%

Lending Areas:

California and New York Tri-State

Please contact one of our Small Business Lending Officers for any inquiries:

New York Region: 212-238-8376
Northern California Region: 415-352-6901
Southern California Region: 626-457-2269