Pacific Enterprise Bank
  • Business Banking
  • Personal Banking
  • Loan Products
  • Other Services


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Pacific Enterprise Bank started in April 2007 with $31 million in capital and is privately held which affords it the ability to be responsive and open-minded to the various business banking needs of its clients. The Bank is an entrepreneurial bank and is always looking for ways to meet the needs of the underserved business community. With two locations, headquarters in Orange County, the Bank’s geographic footprint services Southern California.   Like all businesses, success is heavily determined by the capabilities of its employees. Bank employees have both big bank and community bank experience which lessens the time spent in understand a clients needs and subsequently providing solutions. The Bank has over 45 employees dedicated to provide first class depository services/products with the assistance of the latest technology as well as provide lending solutions using common sense business minded decision making.
Pacific Enterprise Bank’s lending group focuses on businesses with loan needs from $250,000 to $5,000,000.  Financing is available for commercial real estate "investor and owner occupied", lines of credit, debt consolidation, start-ups, acquisitions, SFR flipping lines, letters of credit, diesel trucks, and bridge loans.  The Banks cash management group has more of a private banking feel and offers an array of products including remote capture, merchant card processing, online wires, ACH, positive pay and online banking. External 3rd party programs are actively used to complement the Banks lending practices. External programs include SBA 7A Loans, SBA 504 Loans, Calcap loans, CEDLI, ARB Grant Program, Carl Moyer Program, and Voucher Incentive Program.Since August 2009 the Bank has been a top 5 SBA Bank lender in Orange County (504 loans and 7a loans).
As part of the American Recovery and Reinvestment Act (a.k.a. the Stimulus Bill), the SBA in October 2009 established a secondary market for 504 first liens - SBA 504 First Mortgage Pooling program (FMP). Pacific Enterprise Bank is one of only 35 approved SBA 504 Pool Originators in the country. As a Pool Originator the Bank has the ability to sell SBA 504 first liens for itself as well as other banks, credit unions and non-bank lenders.


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