South County Bank

We are known as South County Bank in most regions of Southern California, Surf City Bank in Huntington Beach, and Inland Valley Bank in Redlands. Bank at any of our convenient locations and experience the same superior customer care. One family of banks dedicated and focused to deliver excellence in performance, flexibility and technology.

Excited group of business co-workers

Loan Services

Business Lines of Credit

We understand about the ebb and flow of cash in your business. A business line of credit gives you the stability you need for your daily operating capital and maintains your excellent credit rating while providing efficiency to your operation. Your line of credit is advanced at your request into your business checking account and paid back when you collect your receivables. Let us help you stabilize your cash flow with a flexible and competitive Business Line of Credit. Contact us today to discuss your business and lending needs.

Commercial Term Loans

Whether you need money for expansion or a new warehouse, we’re ready with loans that offer flexible terms and competitive rates. Term loans allow you to make payments that you can afford over an extended period of time to finance those improvements or longer term investment needs. We’re proud to be a neighborhood business bank and have made it a point to understand local business challenges and to develop loan products to meet your needs. Contact us today to discuss a commercial term loan.

Loan Services

Why lease when you can own your own building? We offer a broad suite of financing programs designed specifically for your commercial real estate needs. Fixed and adjustable rate products with custom pricing and flexible features. Build independence, equity and reap the tax benefits of ownership. Contact one of our professional commercial real estate managers today.

  • Commercial property acquisition financing with up to 90% financing on qualified owner occupied property
  • Commercial property improvement projects
  • Refinancing of owner occupied commercial real estate property
  • Financing of investor properties including Mixed Use & Special Purchase Properties
  • Financing of Apartments, Hotels and Motels

Equipment Financing

Qualified borrowers can obtain up to 100% financing on specific new equipment acquisitions for terms of up to ten years at competitive rates. Credit amounts from $100,000 to $3.0 million. Contact us today to talk about your equipment needs and a flexible plan to meet your financing needs.

SBA Financing

Ready to make the leap … we can help you take advantage of opportunities available to you as a small business operator through the Small Business Administration (SBA). Our lending team offers services including in-house approval, competitive rates, and loan amounts up to $5,000,000 fully amortized. As an Approved Lender of the Small Business Administration, financing a new business doesn’t have to be complicated. We make financing simple, convenient and fast. Contact our team of SBA specialists today for any of these small business needs.


  • Business Acquisition
  • Franchising
  • Commercial Real Estate
  • Equipment
  • Working Capital

Construction Loans

If you are trying to realize your dream for a home you’ve saved for all your life: we have just the loan for you. We’ll be there during the entire length of your building project and we routinely approve loans that include a land draw component. We make loans for people who have property in our community. Each loan is reviewed on a case by case basis and we focus on the positive. We do everything we can to help our customers build. Let us assess your situation and suggest the best loan to fit your needs. Contact us today to discuss your construction need.

Accounts Receivable Financing

Let us help improve your cash flow with an accounts receivable line of credit. If you have outstanding invoices and expenses due, use our accounts receivable line of credit to bridge the gap. This flexible credit line can give you peace of mind when paying your expenses, or helping with the growth of your company. Contact our accounts receivable manager today.