Mechanics Bank - 800-797-6324

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Using the "Take Me To" links

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Online Banking's "Take Me To" feature allows you to choose what online banking page you would like navigate to when you sign in. This allows added convenience for you - navigate to a specific area for faster service!

To use the "Take Me To" feature, enter your Access ID. Then from the drop down menu, choose your destination and click "Log In." Once you log in, you will be taken to your chosen page.

The default to the "Take Me To" feature is Account List, which is the Online Banking home page. Other options include: Express Transfer, Primary Account Summary, Stop Payments, User Options, Nicknames, Transaction Search, and Transaction Export.

Where do I enter my password?

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We are changing the way you sign in to Online Banking to better safeguard the privacy and security of your personal information. Previously, you signed in to Online Banking using your Access ID and Password. From now on, you'll also use your Enhanced Online Security feature, which consists of an authentication image and authentication pass phrase. Here's how this new service will work:

You'll enter your Access ID and click the Log In button.
On the next page, your authentication image will then be displayed. If you recognize your authentication image, you'll know you can safely enter your Password. If you don't recognize your authentication image and pass phrase when you log in, do not enter your password.
Your authentication image and pass phrase helps you know for sure that you are at the valid Mechanics Bank website.

NOTE: If you have not yet created your personalized authentication image and pass phrase with our Enhanced Online Security feature, you will be prompted to do so before you can sign in to Online Banking.

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Cash Management Solutions

The ability to analyze your business’s cash position and then act on that information quickly is essential to running your business.�

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Mechanics Bank is your Trusted Financial Partner

SBA Financing

For businesses that may not otherwise qualify for conventional bank financing, a U.S. government guaranteed loan may be the answer. The U.S. Small Business Administration (SBA) offers a program of loans that provide flexible terms, higher loan-to-value ratios, and lower down payments.

SBA guaranteed loans are available to all types of borrowers, to include sole proprietors, partnerships, and corporations. They provide lines of credits, term loans, and real-estate loans for all loan purposes, such as business acquisitions, working capital, capital expenditures, and real estate purchase and improvement.

Mechanics Bank is an SBA Preferred Lender. This means that we have the designated authority to make loan decisions on behalf of the SBA, thereby reducing the time for processing, approval and funding.

An SBA loan may be your solution if you are looking for:

A speedy credit approval
Longer maturities than most banks offer
Lower down payment
Lower monthly payment
No balloon payment
Multiple interest rate options (adjustable or fixed)

Mechanics Bank participates in the SBA Express Loan, 7(a) Term Loan and 504 Term Loan Programs.

SBA Express Loan

For working capital, equipment purchases, and other business purposes
Loans from $10,000 to $250,000
Revolving credit line, with interest only and 2 year maturity or four year term
Competitive pricing
No out of debt period required
Fee generally 3% of U.S. Government guaranteed amount
No prepayment penalty

Basic 7(a) Term Loan

For working capital; business or equipment acquisition; real estate purchase, construction or improvements; expansion financing or debt refinancing
Loans from $50,000 to $2,000,000.Finance up to 90% of real estate appraised value for up to 25 years
Finance up to 80% of business acquisition for up to 10 years
7-25 years fully amortized

504 Term Loan

For the purchase or construction of owner occupied commercial real estate
Maximum SBA loan $2,000,000 (up to $4,000,000 for small manufacturers)
Loans from $50,000 to $2,000,000
90% financing available

There are other advantages to banking with Mechanics Bank, to include:

SBA Preferred Lender status means expedited processing
Immediate attention to your needs
Customized and flexible credit structures
Local credit approval
Competitive pricing options
Skilled, experienced and knowledgeable Relationship Managers
A genuine commitment to quality service

For more information on SBA Financing, please call 800-272-1154.

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