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Banks are another source of financing a business.  Most banks cater to all businesses without any focus on any specific group.  However, there are banks that offers programs for specific minority groups. If you are an Asian American owned small business and you are looking for a bank that have a financial program geared towards you, Asian American owned banks is a good place to start. 

Large mainstream banks are reluctant to give loans to newcomers to set up a business.  Thatís where ethnic banks step in.  After examining a customerís repayment prospects, these banks issue loans quickly, though interest rates are often higher to cover the risk. ďEthnic banks avoid bad loans as they make decisions based on factors like culture, background, social status.

Banks offers a variety of loans.  These loans include Lines of Credit, Commercial Real Estate Loans, SBA Loans, Term Loans, Equipment Loans, Business Acquisition Loans, Business Expansion Loans, Working Capital Loans, etc.  Loan amounts depends on the how much is being requested and how much the bank is willing to lend.

Below is a list of Asian  American Owned Banks whose target audience is Asian American owned small businesses.

 

Organization

Description

All American Bank (IL)

ALL American Bank offers the flexibility to design commercial loans and mortgages that are tailored to your specific needs. Whether you are seeking a working capital line of credit, buying a new building, financing equipment, inventory or vehicles.  Based in Illinois.

American Continental Bank (CA)

Provides Equipment Loan, Commercial Business Loans, SBA Loans and Commercial Real Estate Loans.  Based in California.

American First National Bank (TX)

Provides Commercial loans for equipment financing, start-up cost, working capital, or business acquisition, Lines of Credit, Commercial Property Loans, Commercial Construction Loans and Commercial Automobile Loans.  Based in Texas.

American Metro Bank (IL)

Provides loans to purchase, refinance or construct your business property and SBA guaranteed loans.  Based in Illinois.

American Plus Bank N A (CA)

Offers Small Business Loans, Commercial Real Estate Loans, Commercial Loans  and Lines of Credit.  Based in California.

Asia Bank  National Assoc (NY)

Provides Lines of Credit and Commercial Real Estate Loans and SBA Loans.  Based in New York.

Asian Bank (PA)

Provides Lines of Credit, Commercial Real Estate Loans, Construction Loans and SBA Loans.  Based in Pennsylvania.

Asian Pacific National Bank (CA)

Offers Business Loans, Lines of Credit, Commercial Real Estate Loans, Construction Loans, and Inventory Loans.

Bank of Guam (GU)

Provides Commercial Loans, and Letters of Credit.  Based in Guam.

Bank of Hawaii

The Bank of Hawaii offers SBA loans and Leasing Loans.

Bank of the Orient (CA)

Provide Term Loans ($10,000 - $5,000,000) and Lines of Credit ($10,000 - $5,000,000).

Bankasiana (NJ)

Provides Equipment Purchase Loans, Business Acquisition Loans, Business Expansion Loans, Lines of Credit and Commercial Real Estate Loans.  Based in New Jersey.

Bankpacific Ltd (GU)

Provides Small Business Loans for Working Capital, Inventory, Equipment, Construction, etc.  Based in Guam.

BNB Bank, National Association (NJ)

Provides Business Loans, Commercial Loans, Commercial Real Estate Loans and SBA Loans.

Cathay Bank (CA)

Provides Line of Credit (up to $50,000), and SBA Loans.  Based in California.

Center Bank (CA)

Provides Line of Crdit, Business Acquisition Loans, Revolving Line of Credit, Commercial Real Estate Loans, Term Loans and Construction Loans.  Based in California.

Central Bank (FL)

Offers Lines of Credit, Term Loans, Construction Loans,  SBA Loans and USDA Rural Development Loans.  Based in Florida.

Commonwealth Business Bank (CA)

Provides Term Loans, Lines of Credit, Commercial Real Estate Loans, Construction Loans, Equipment financing Loans and SBA Loans.  Based in California.

East Bank, National Association (NY)

Provides unspecified small business loans.  Based in New York.

East West Bank

A Chinese bank that serves customers throughout the U.S. and China. Offers Short Term Lines of Credit, three Commercial Lines of Credit and Commercial Real Estate loans.

Evertrust Bank (CA)

Provides Commercial Working Capital Loans, Commercial Real Estate Loans, Construction Loans, and International Trade Finance Loans.  Based in California.

First American Intl Bank (NY)

Provides Commercial Real Estate Loans,  Construction Loans, and Lines of Credit.  Based in New York.

First Asian Bank (NV)

Provides Lines of Credit, Term Loans, Commercial Construction Loans and SBA Loans.

First Choice Bank (CA)

Provides Lines of Credit, Term Loans, Letters of Credit, Professional Lines of Credit, Construction Loans, Commercial Real Estate Loans, SBA Loans and Pacific Coast Regional Corporation (PCR) Guarantee Loans.  Based in California.

First Commercial Bank USA (CA)

Offers Commercial Term Loans, Asset Based Lines of Credit, Overseas Credit Guaranty Funding, Real Estate Loans, International Trade Financing, Letters of Credit, Import Export Financing and Wire Remittances.  Based in California.

First General Bank (CA)

Provides SBA Loans, Term Loans, International Trade Financing, Lines of Credit and Construction Loans.  Based in California.

First Intercontinental Bank (GA)

Provides SBA Loans, Commercial Real Estate Loans, Construction Loans, Letters of Credit, Lines of Credit, Equipment Loans and Acquisition Loans.  Based in Georgia.

First International Bank (TX)

Provides SmallBusiness Loans and Commercial Real Estae Loans, and SBA Loans (up to $6,000,000).

First State Bank (TX)

Provides Commercial Real Estate Loans, Lines of Credit, Term Loans, Letters of Credit and SBA Loans.  Based in Texas.

Foster Bank

A Korean American Bank that provides SBA Loans, Lines of Credit, Small Business Express Loans, Commercial Construction & Real Estate Loans and Letters of Credit. Based in Chicago, IL with offices throughout the State.

Foster Bank (IL)

Provides SBA Loans, Lines of Credit, Commercial Construction Loans and Letters of Credit.

Global Bank (NY)

Provides Lines of Credit.  Based in New York.

Global Commerce Bank (GA)

Provides Business Loans for Working Capital, Commercial Real Estate Loans, Construction Loans, and SBA Loans.  Based in Georgia.

Global Trust Bank (CA)

Provides Term Loans, Working Capital Loans, Lines of Credit, Commercial Real Estate Loans, and SBA Loans.

Golden Bank National Assn (TX)

Provides Commercial Loans, Commercial Real Estate Loans, Construction Loans, Consumer Loans and SBA Loans.  Based in Texas.

Golden Coast Bank (CA)

Provides Working Capital Loans, Accounts Receivable Loans, Inventory Loans, Business Acquisition Loans and Term Loans.  Based in California.

Great Eastern Bank Of Fl (FL)

Provides Small Business Loans, Construction Loans, Lines of Credit and Loans guaranteed by the Overseas Chinese Credit Guarantee Fund.  Based in Florida.

Hanmi Bank

The largest Korean American Bank in the U.S.  Offers Business Term Loans, Lines of Credit Construction Loans, Commercial Reas Estate Loans, and SBA Loans.

Hawaii National Bank (HI)

Provides Term Loans, Lines of Credit, Special Business Loans, and SBA Loans (up to $5,000,000).

Indus American Bank (NJ)

Provides Commercial Loans, Lines of Credit and Term Loans.  Based in New Jersey.

International Bk Of Chicago (IL)

Provides Commercial Real Estate Loans, SBA Loans, State Loans, Construction Loans and City of Chicago Small Business Development Fund (SBDF) Loan.  Based in Illinois.

Leader Bank

Leader Bank is an Indian American Bank that offers Commercial Loans, Letter of Credit, Lines of Credit and Term Loans.

Lotus Bank (MI)

Provides loans for working capital, business financing, Commercial Real Estate, Construction, Working Capital and Business Expansion.  Based in Michigan.

Mega Bank (CA)

Mega Bank provides Commercial Real Estate Loans, Construction Loans, Business Loans, and SBA Loans. Based in California.

Metro City Bank (GA)

Provides Small Business Loans for working capital, Lines of Credit, equipment purchases and commercial real estate.  Also provides SBA Loans.  Based in Georgia.

Metro United Bank (CA)

Provides Small Business Loans for working capital, Lines of Credit, equipment purchases and commercial real estate.   Based in California.

Metrobank, National Association (TX)

Provides Commercial Loans, Lines of Credit, SBA Loans, Overseas Chinese Credit Guarantee Fund (OCCGF) Loans, Business Consortium Fund (BCF) Loans and Business and Industrial Loans.  Based in Texas.

Metropolitan Bank (CA)

Provides Farm Loans, Construction Loans, Lines of Credit, Letters of Credit, Working Capital, Equipment financing, Commercial Real Estate Loans, and Professional Loans.  Based n California.

Millennium Bank (IL)

Provides Line of Credit, Construction Loans and Commercial Real Estate Loans.  Based in Illinois.

NARA Bank

A Korean American Bank that offers a variety of Loans and Lines of Credit, including SBA Loans to Small Businesses.  Money can be used for purchasing supplies, inventory, additional office space, or financing other business debts.  Based in California with offices throughout the country.

Nevada National Bank (NV)

Provides Commercial Loans, Lines of Credit, and Commercial Real Estate Loans.

Newbank (NY)

Provides Simple Business Loans (up to $50,000), Term Loans, Lines of Credit, Commercial Real Estate Loans, SBA Loans (up to $5,000,000) and Trade Loans.

Noa Bank (GA)

Provides Commercial Loans, Commercial Construction Loans, Commercial Real Estate Loans, SBA Loans, and Lines of Credit (secured & unsecured).  Based in Georgia.

Ohana Pacific Bank (HI)

Provides SBA Loans, Term Loans, Commercial Real Estate Loans and Lines of Credit.  Based in Hawaii.

Omni Bank, National Association (CA)

Offers commercial Loans, Commercial Real Estate Loans, and Construction Loans.  Based in California.

Pacific Alliance Bank (CA)

Provides SBA Loans, Commercial Real Estate Loans, Revolving Lines of Credit, and Equipment Loans.  Based in California.

Pacific Commerce Bank (CA)

Provides Lines of Credit, Term Loans, Inventory Financing, Construction Loans, and Commercial Real Estate Loans.  Based in California.

Pacific International Bank (WA)

Provides loans for equipment purchase, business acquisition and working capital.  Based in Washington.

Pacific Rim Bank (HI)

Provides Term Loans, Lines of Credit, Commercial Real Estate Loans, Construction Loans, Lines of Credit, SBA Loans and USDA Loans.  Based in Hawaii.

Preferred Bank

Preferred Bank is A Chinese American Bank that targets ethnic Chinese migrants in Southern California.  Offers Real Estate and Construction Loans, Commercial Loans, Trade Commercial Loans & Services and Letters of Credit.

Preferred Bank (CA)

Provides Commercial Real Estate Loans, Construction Loans, and Trade Finance Loans.  Based in California.

Premier Bank (CO)

Provides Lines of Credit, Commercial Real Estate Loans, SBA Loans and Term Loans.  Based in Colorado.

Premier Bank (IL)

Provides Lines of Credit, Term Loans and Commercial Real Estate Loans.  Based in Illinois.

Premier Business Bank (CA)

Provides Lines of Credit, Term Loans, Commercial Real Estate Loans, SBA Loans and U.S. EXIM Bank Working Capital guaranteed Loans.  Based in California.

Quantum National Bank (GA)

Provides SBA Loans (up to $5,000,000) and Commercial Real Estate Loans. Based in Georgia.

Royal Business Bank (CA)

Provides Working Capital Loans, Accounts Receivable Loans, Equipment Loans, Letters of Credit, Business Expansion Loans and Business Acquisition Loans.  Based in California.

Saehan Bank (CA)

Provides SBA Loans up to $2,000,000, Term Loans, Lines of Credit and Commercial Real Estate Loans.  Based in California.

Saigon National Bank (CA)

Provides Commercial Real Estate Loans, Construction Loans and Term Loans.  Based in California.

Southwestern National Bank (TX)

Provides Commercial Loans, Lines of Credit, Commercial Real Estate Loans, SBA Loans and International Trade Financing.  Based in Texas.

State Bank Of Texas (TX)

Provides unspecified number of Small Business Loans tailored to individual businesses.  Based in Texas.

The National Republic Bank of Chicago (IL)

Provides Commercial lending and SBA Loans.  Based in Illinois with branches nationally.

Tomatobank National Assn (CA)

Provides SBA Loans.  Based in California.

Touchmark National Bank (GA)

Provides Term Loans, Lines of Credit, Commercial Real Estate, Construction Loans and SBA Loans.  Based in Georgia.

Unibank (WA)

Provides an unspecified number of Small Business Loans and SBA Loans.  Based in Washington.

United Central Bank (TX)

Provides Business Acquisition Loans, Equipment Loans, Working Capital Loans, Debt Refinancing Loans, and Commercial Real Estate Loans.  Based in Texas.

United International Bank (NY)

Provides Lines of Credit, Term Loans, Commercial Real Estate Loans, and Construction Loans.  Based in New York.

United Orient Bank (NY)

Provides a full array of commercial loan products to its customers with specialization in real estate lending.  Based in New York.

United Pacific Bank (CA)

Provides Working Capital Loans, Acquisition Loans, Equipment Loans, Term loans and Cash Flow Loans.  Based in California.

Uniti Bank (CA)

Provides Term Loans, Lines of Credit, Commercial Real Estate Loans, Construction Loans and SBA Loans.

Universal Bank (CA)

Provides Working Capital Loans, Equipment Loans, Revolving Lines of Credit and Accounts Recivables and Inventory Loans.  Based in California.

US Metro Bank (CA)

Provides Term Loans, Lines of Credit Commercial Real Estate Loans and SBA Loans.  Based in California.

Wallis State Bank (TX)

Provides Lines of Credit, Equipment Loans, Business Expansion Loans, Commercial Real Estate Loans, Construction Loans, Farm, Crop and Livestock Loans, and SBA Loans.  Based in Texas.

Wilshire State Bank

A Korean American bank headquartered in Los Angeles, California, Wilshire State Bank operates 24 branch offices in California, Texas, New Jersey, and New York, as well as loan production offices across the country. Our areas of expertise include the following:  Offers Business Term Loans, Lines of Credit Construction Loans, Commercial Real Estate Loans, EZ Loans, and SBA Loans.

Wilshire State Bank (CA)

Provides Term Loans, Lines of Credit, Equipment Loans, Commercial Real Estate Loans, Construction Loans and EZ Loans (up to $200,000).  Based in California.

 

 

 

 

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