There are scammers targeting local residents. If you receive an inbound call claiming to be from ARB or another bank, please hang up and call back using the published number for assistance. Learn more here.

Commercial Real Estate Loans

Consider a commercial real estate loan to re-amortize an existing loan balance and lower your monthly payments. Loans are also available to purchase new commercial real estate. We offer flexible terms, with up to a 30-year amortization depending on the useful life of the property, and fixed or variable rate options.

Long-term Financing¶

Owner occupied commercial real estate
Non-owner occupied real estate
Multi-family dwellings
Mixed use properties
Commercial buildings
Vacant land
Special purpose buildings, such as hospitality, mini storage, specialty healthcare, etc.

Nonprofit lending is also available!

Bridge Loans¶

Bridge loans give you the option to take more time between transactions by providing short-term financing to close on a new property using the equity in your current property while you prepare to sell. In today's real estate market, sale-contingent offers can make sellers nervous and can put you at a disadvantage if you are competing with multiple offers.

Our bridge loans are specialized and tailored to your specific needs until you’re able to secure long-term financing. We also offer both reverse or traditional 1031 exchange loans.

Does a bridge loan sound right for you? Our residential lending experts are here to help!

Ask an Expert¶

Andrew Chung¶

Senior Vice President, Regional Commercial Relationship Manager

Send E-mail
805 730 7862
NMLSR: #1460572
Location: Santa Barbara

LinkedIn Bio .vcf card

Stephanie Marden¶

Vice President, Portfolio Manager

Send E-mail
805 540 6231
NMLSR: #1821456
Location: San Luis Obispo

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Jason Wilson¶

Senior Vice President, Sr. Commercial Banking Officer

Send E-mail
805 730 7863
NMLSR: #1460816
Location: Santa Barbara

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SBA 504 Loans¶

Fixed-asset financing to assist you in expanding your businesses, such as real estate purchases or machinery and equipment with a longer useful life.

Learn More

Commercial Loans and Lines¶

Our fast approval process, personalized service and local decision-making ensures your business gets the financial support it needs, when it needs it. With deep industry expertise and a strong commun…

Learn More

Ag Loans¶

We offer a diverse range of ag loans tailored to meet the unique needs of farmers and ranchers in our community. Experience the difference of local decision-making and a quick approval process that…

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"We were just one location with a great product and great sales, but most banks wouldn't help us with the financing we needed to expand. So we talked to a bank in our own backyard: American Riviera Bank. Now we have six locations and a great relationship with American Riviera Bank."

Dan Goddard and Pete Heth, Backyard Bowls

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Commercial Real Estate Loans

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Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Long-term Financing¶

Bridge Loans¶

Ask an Expert¶

Andrew Chung¶

Stephanie Marden¶

Jason Wilson¶

Related products¶

SBA 504 Loans¶

Commercial Loans and Lines¶

Ag Loans¶

Customer Testimonial¶