Serving our communities since 1910.


The First National Bank of Monterey has a variety of Commercial Loan Options to meet your business financing needs. Let our lending specialists help find the appropriate loan and terms for your specific needs.

How can we help your financing needs?

Lines of Credit | Equipment Loans/Installment Loans | Real Estate Loans | Leasing


Lines of Credit

A line of credit is ideal for those cash crunch times we understand that can come along with owning a business.  Utilize your line for your business needs:

  • Manage Cash Flow
  • Repairs
  • No Renewal Fees

Funds can be accessed through our simple to use digital banking.

Installment Loans

Do you need to update equipment, buy new? Does your business need capital improvements? Our installment loans could fit your needs!  We offer flexible term loans to cover your business needs.

  • Flexible Terms & Payment Options
  • New or used equipment
  • Facilities
  • Business Improvements
  • Business vehicles

Real Estate Loans

Whether you are looking to purchase real estate, expand, or refinance an existing loan; we offer a variety of convenient terms to meet your individual needs.

  • Terms from 5-20 years.
  • Loans can be fully amortized or have a balloon
  • No Rate lock fees


The First National Bank of Monterey can structure Commercial Real Estate Loans for, but not limited to:

  • Office Buildings
  • Multi-Family
  • Medical Space
  • Retail Space
  • Industrial and Warehouse
  • Apartments


Leasing facilities and equipment can provide both a tax advantage and flexibility. We have the expertise to meet your business needs.

  • Potential Tax Advantages
    • Talk to your tax advisor
  • Customized Payment Options
    • Monthly, Quarterly, Semi-Annual, Annual
  • Flexible Terms & Down Payments

Allows you to pay for your equipment while using it