Inquiries on Business Loans

Diane Bishofberger
Executive Vice President and Bank Sales Manager
office: 707-299-2337
mobile: 707-227-2234
Email Diane Bishofberger

Ruth Appleby
Vice President, Relationship Manager
office: 707-603-4860
mobile: 707-227-6123
Email Ruth Appleby

Lise Tarner
Vice President, Office Manager
office: 707-227-3150
mobile: 707-227-6095
Email Lise Tarner

Sandra Re Sims
Vice President, Personal Banking Officer
office: 707-603-4863
mobile: 707-337-6030
Email Sandra Re Sims

William Stefani
Vice President, Commercial Relationship Manager
office: 707-227-3160
mobile: 707-339-9650
Email William Stefani

Cheryl Payan
Assistant Vice President, Personal Banking Officer
office: 707-299-2321
mobile: 707-227-4744
Email Cheryl Payan

Local Businesses Trust Bank of Napa

Sales Team

Matt Eisenberg, Attorney at Law, (left) with Bank of Napa president Tom LeMasters


Business Loans

Bank of Napa has a variety of financing options available to assist you. If you are looking to purchase or refinance a commercial building, need construction financing, wish to buy equipment for your business or need a line of credit we invite you to contact us so that we can help determine the best structure and pricing for you and your business.

  • Lines of Credit
    Business lines of credit provide businesses with access to cash for a variety of short-term financing needs, including providing seasonal working capital, purchasing inventory, financing receivables, and taking advantage of trade discounts. Lines of credit may be either secured or unsecured.

  • Standby Letters of Credit
    Used to support a financial obligation or an obligation to perform under a contract. These Letters of Credit are usually cash secured with cash in a designated Bank of Napa deposit account.

  • Term Loans
    For expenditures and long-term financing needs such as fixed asset purchases. Term loans are offered with flexible repayment terms from 1 to 7 years and at customized rates and fees.

  • Professional Loans
    Term loans with fixed interest rates are available to business professionals. Funds can be used for a variety of purposes including practice expansion, tenant improvements, and equipment purchases.

  • Commercial Real Estate
    Commercial Real Estate loan programs are designed for the purchase or refinance of general purpose owner-occupied or investment property for both commercial and industrial real estate. Eligible properties include commercial office buildings, industrial warehouses, industrial manufacturing facilities and retail buildings. Terms up to 15 years with up to 25 years amortization. Loan to value varies by property type, and loans up to 70% of appraised value are available. A minimum debt coverage ratio is also required, usually 1.20:1. Loans are available at both variable and fixed rates of interest.

  • Construction Loans
    Construction loans are available for the following types of construction projects:

    • Residential
    • Office
    • Industrial

    In general, the structure of these types of loans includes a variable rate during the construction period (usually 12 months). The loan-to-value and pricing are dependent upon project type and amount borrowed.

    Land acquisition loans are available if construction is expected within 12 months.


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