Real Estate & Construction Loans

Whether you are planning to purchase an apartment building, build homes, or refinance a shopping center, Preferred Bank has a real estate loan to meet your needs.  Real estate loans offered include mini-perm loans and constructions loans.

  • Mini-perm loans are available for the purchase or refinance of apartment buildings, shopping centers, office and medical buildings and industrial/warehouse facilities.  Mini-perm loans are typically structured with monthly payments based on a 25-year amortization and a five to seven year maturity.
  • Construction loans are available for apartment buildings, condominiums, custom homes, single family tract homes, shopping centers, office and medical buildings and industrial/warehouse facilities.  Construction loans are tailored to accommodate the time required to build the project and market/lease the completed product.

Contact a real estate loan officer at any of our branches for an appointment to discuss your business real estate financing needs.

Commercial Loans

Preferred Bank offers commercial loans to small businesses. Commercial loan products include revolving lines of credit, term loans and letters of credit.

  • Revolving lines of credit are available for temporary cash flow needs, accounts receivable financing and the issuance of letters of credit. 
  • Term Loans are available to assist with equipment purchases, business expansion and business acquisition.  Repayment terms correlate the repayment of the loan with corresponding cash inflows.
  • Letters of credit are available to accommodate international transactions and business commitments.  Please see the Trade Finance Loans & Services section below for additional information.

Commercial loan products are priced and available at all of our branches.  Please contact a commercial loan officer for an appointment to discuss your business and financing needs.

Trade Finance Loans & Services

Preferred Bank's International Department provides services to facilitate transactions with overseas suppliers and vendors.  Our international specialists will help you choose a loan program.

In addition to providing lines of credit, our International Department is a participating lender in the Overseas Chinese Credit Guarantee Fund.

Additional services offered by our International Department include:

  • Standby Letters of Credit
  • Export Letters of Credit
  • Import Letters of Credit
  • Export Financing
  • International Documentary Collections
  • Domestic and International Wire Transfers
  • Foreign Currency Drafts
  • Foreign Exchange Services
  • Letter of Credit Transfers

Contact the Los Angeles Head Quarters at (888) 673-1808 for more information.