FUND YOUR DREAM

 BY LINDSEY RODRIAN

Small businesses are plentiful in San Joaquin County—an aspect that strengthens our area’s unwavering community connection. At Bank of Stockton, this connection and the small business owner’s success, is nurtured through the bank’s many business-focused offerings.

As Angela Brusa, vice president and director of marketing explains, “Bank of Stockton blends tradition with technology. The technological innovations we offer clients are an extension of our service. We understand that business owners are busy people, managing a million tasks a day. It is our job to deliver the personalized service when they need us—and when they don’t—it is our job to bring them the channels they need to do their banking and manage their business without having to come into the bank.”

These channels cover everything from payroll preparation and direct deposit to cash management and online banking. “There are a number of tools within online banking tailored to small business,” John R. Primasing Jr., vice president and chief credit officer, explains. “It allows the business owner to set parameters of accessibility for employees. So, a bookkeeper can look at the account, balance it, make sure everything is in sync—but not necessarily transfer money. Important parameters allow business owners to easily delegate work within their comfort zone.”

For those needing loan assistance, Bank of Stockton works with business owners in a personalized, streamlined manor, offering clients big bank options with a small town feel. They’ve streamlined the small business banking process to make it easy—loans up to $100,000 have a one page application, and loans $100,000$500,000 are also streamlined, with a 48hour turnaround for an answer.”

Loans under $500,000 are primarily handled by the bank’s front line branch managers, and personal bankers, who help the customer through the application process and get the application to underwriting, where it is analyzed for approval; while loans over $500,000 are handled by a business banker.

As John notes, the army of bankers in each of Bank of Stockton’s branches, teamed with their suite of business products, helps customers with all small business banking needs with a personal touch. The bank’s lenders live and work in the community, with a majority of employees staying with Bank of Stockton for many years. This aspect strengthens the personal touch, as small business owners build relationships with specific loan officers that are present throughout many of their business’ milestone moments—eliminating the need to back track or recreate.

“We have hundreds of small business relationships,” Angela explains, “and the monies that we loan out go directly back into the communities we serve.” John adds, “One way we help our service area is through funding to create more opportunity for jobs within local businesses.”

Rest assured, as you work seemingly endless hours tracking the progress of your growing business, that Bank of Stockton has your best interest in mind; since they come from the same foundation—a local, family-owned operation with strong community ties.

Multiple Locations Throughout San Joaquin BankofStockton.com