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FDIC-Insured-Backed by the full faith and credit of the U.S. Government

Business & Commercial Lending

Fuel your growth and long-term impact

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Commercial lending solutions

No matter your business, our solutions and knowledgeable bankers are committed to helping you achieve your financial goals while saving the planet one transaction at a time.

Flexible and convenient financing to manage cash flow and meet your business goals. Our lines of credit provide the working capital you need to grow.

  • Working Capital Lines of Credit — Flexible revolving credit to manage day-to-day operations and seize opportunities as they arise

Own your building or expand your real estate portfolio with our comprehensive commercial real estate lending solutions.

  • Owner Occupied Commercial Real Estate — Own your own building, or refinance existing loans to free up capital and improve cash flow
  • Investor Commercial Real Estate — Generate free cash flow and improved ROI through our investor loan program
  • Sustainably Certified Commercial Real Estate — Financing for sustainably certified buildings

Full-service construction financing with guidance throughout your project, from ground-breaking to completion.

  • Construction Loans — Full-service construction and construction-to-perm loan programs for commercial projects
  • Sustainably Certified Construction Loans — Financing for sustainably certified buildings with guidance throughout the project

Finance your transition to clean energy with competitive rates and terms designed for sustainable improvements.

  • Commercial Solar — Reduce or eliminate utility expenses for your commercial building with up to 100% financing
  • Solar, Storage, and EV Charging Loans — Up to 100% financing with long-term fixed interest rates for clean energy infrastructure
  • Energy Improvement Loan — Up to 90% financing for funds used to improve energy efficiency on your commercial building

Why choose Climate First Bank

Competitive Rates

Flexible terms and competitive rates designed for growing businesses.

Expert Guidance

Dedicated relationship managers with deep commercial lending expertise.

Fast Decisions

Local decision-making means faster approvals and personalized service.

Sustainable Impact

Your loan supports projects that benefit both your business and the planet.

Bank like tomorrow depends on it

As the world's first FDIC-insured, values based, digital community bank founded to combat the climate crisis, Climate First Bank is a full-service community bank offering both personal and commercial banking services. We are proud to serve our communities as we work together to promote sustainability and reverse the climate crisis.

Learn More About Commercial Solar