Commercial Loans and Lines of Credit

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Whether you need short-term working capital or a loan to purchase new equipment, we can help you find the right solution for your business.

Loan Program and Product Details

  • Secured and Unsecured Term Loans
  • Equipment Loans
  • Secured and Unsecured Revolving Lines of Credit
  • Asset-Based lines of credit


Larry Spencer

Wholesale Banking Manager

Marissa Guerra

Portfolio Manager

For more information visit our conveniently located office or call us at 530-879-5900, M-TH 8am to 5pm PST, FRI 8am to 6pm PST. 

Mail Loan Payments to:

Northern California National Bank
Note Department
1717 Mangrove Avenue, Suite 100
Chico, CA 95926

Payments received before 5pm Monday through Friday are credited on the date received.  Automatic payments are processed on the loan due date or prior business day if on a weekend of holiday.

To request a demand for payoff, call us at 530-879-5900 during regular business hours, M-F 8am to 5pm PST.

Northern California National Bank Member FDIC. Equal Housing Lender.

Coming Soon: New & Improved Online Banking!
We are excited to announce we are upgrading our Online Banking service for both consumer and business customers. During the upgrade online banking will be down beginning 2pm on Monday 10/23 until 8am Wednesday 10/25. Our new Online Banking system (OLB) will help us continue to provide the service you have come to expect with an updated, user friendly look and feel. Please click here to read the details of the important information you need to know before the conversion.