• May 2015
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Banks & Finance


American Security Bank
1401 Dove Street
Newport Beach • 949.440.5200
American Security Bank, founded in 1990, is headquartered in Newport Beach and has 6 full-service banking offices throughout Southern California. Led by Michael Helmuth, EVP/Chief Banking Officer, Rick Saulsbury, Manager of the Newport office, and Carole Bowman, Manager of the Laguna Niguel office, American Security Bank is the resource for Orange County businesses. Business owners who view 2011 as an opportunity for growth will find ASB is focused on providing commercial banking services to manufacturers, wholesalers, distributors, professional service firms or practices and their respective owners.

• We have the core products and services of a large bank
• We have the “can do” attitude of a community bank
• ASB reported total assets of $414.6 million as of 12/31/10
• We remain profitable and “well-capitalized” by all regulatory measures

Bay Equity Home Loans
19200 Von Karmen Ave., Suite 400
Irvine • 866.788.9072
Bay Equity Home Loans is a breath of fresh air in Mortgage Banking. The San Francisco-based mortgage bank is intent on becoming the next household name for mortgage lending. In 2009, Bay Equity has grown to over 200 employees and now has 21 branches from WA to Southern, CA.
In a competitive marketplace, Bay Equity realizes that in order to stand out among the rest, they need more than good rates. The speed in which we can get transactions closed sets us apart. Our average closing time is 17 days. Along with speed, Bay Equity makes lending more personal by instilling excellent communication skills in their employees. Many lenders treat their clients as a number and don’t take the time to communicate and create lasting relationships. We want Bay Equity clients for life.
Beyond service, speed and low rates, Bay Equity Home Loans has partnered with the Habitat for Humanity and gives back to the communities they live and work in. And by becoming a “Green” mortgage bank, Bay Equity is now a paperless lender.

• Unparalleled Customer Service…. You’re more than just a number.
• A portion of all proceeds go to Habitat for Humanity
• Don’t wait for financing, we can close your transaction in 15 days.
• #1 Priced Lender in the Country
• The fastest growing mortgage bank on the West.
• Responsible Lending Practices, Financial Strength and Security.

Cinergy Commercial Capital
23604 Avenida De La Carlota, Suite 600
Laguna Hills
Office: 949.460.6448
Fax: 949.588.5777
We’ve all heard the popular phrase, “cash is king.” It’s never been so true than in this current environment.
Have you ever wondered how you were going to access capital to grow your business? Do you feel your bank has abandoned you just when you need it most?
Cinergy Commercial Capital provides access to cash so your business can grow and increase profitability.
Contact us today for a free, no-obligation analysis of your financing needs - short or long-term.
Whether you need new equipment, finance your accounts receivable, raise working capital, or acquire a company, Cinergy has competitive financing solutions.

• Equipment Leasing ($50K to $40MM)
• Accounts Receivable/ Purchase Order Financing
• Merchant Credit Card Advances (“App Only” to $100k)
• Medical Practice Working Capital Loans
• Debt Restructuring
• Bridge Financing

Citibank, N.A. Commercial Banking | Western Division
Alison A. Davis, Vice President
24221 Calle De La Louisa, Suite 204 Laguna Hills, CA 92653
Direct: 949.461.9615
As a Citibank® Commercial Banking client, your success is our priority. That’s why we have a dedicated Relationship Manager who will work with you to understand your business goals and challenges and tailor the right financial strategies. Our Commercial Banking services let you move money to 140 countries throughout our global network — so it’s simpler to work with your subsidiaries, distributors and suppliers, or expand overseas. Unrivaled treasury and cash management services help you maximize every dollar. And a broad array of credit and capital market strategies can support your company’s growth.
As your business grows and changes, you need the flexibility to manage cash flow more effectively and seize opportunities when they arise. Citibank provides flexible financing solutions that can help you manage liquidity. We offer loans and lines of credit at competitive rates with terms that are suited to your business requirements.
At Citibank, we are fully committed to your success, today and in the future. That’s why we are always here for you, and always adapting to your evolving needs. Tell us where you want your business to go. We’ll take the time to understand your challenges, review your goals, and develop the solutions to help get you there.

Harnessing the extensive resources of Citibank, we can tailor a financial solution to help you optimize:
• Deposits and Cash Management
• Credit Services
• Investment & Money Management
• Trade, Foreign Exchange and International Banking
• Retirement & Employee Benefits
• Personal Wealth Management

Citizens Business Bank
23046 Avenida de la Carlota, Suite 100
Laguna Hills, CA 92653
The financial world changes daily, as does business in Orange County. With so many different banking options, which one is right for your business?
Ask yourself these questions, does my banker:
• Understand my long term goals, and provide a full range of services to help me achieve them?
• Work with my CPA to maximize my cash flow, financial performance, and reduce taxes.
• Proactively review my relationship, and visit my office to stay current with my business?

If you answered ‘No’ to any of these, it’s time to consider a new banking relationship.
Citizens Business Bank provides our clients with not only a full range of products and services, but more importantly a highly experienced staff of professionals to help your business succeed. Visit a Citizens Business Bank branch today to see why US Banker Magazine rated us the Top Business Bank in the United States for 2007!

Cutting Edge Bank Card Services
1322 Bell Avenue, STE 1L
Toll Free: 800.238.2771
Fax: 714.258.7751
Cutting Edge Bank Card Services is an Orange County based merchant processing provider for the last 18 years. With a local client base of over 15,000 merchants, Cutting Edge Bank Card Services provides a wide range of assistance to your business from small home-based businesses to the largest corporations. In addition, we offer mail order/retail to large multi-facetted Internet accounts. Call us today to work with a family oriented business that understands your needs, and will do whatever it takes to help your business find the simplest and most affordable way to accept credit cards.

• Lowest Rates and Lowest Prices
• Full Disclosure
• Honest and Helpful Customer Service
• Family Owned and Operated

East West Bank
Orange County Commercial Banking Center
19540 Jamboree Road, Suite 150, Irvine
949.955.2728 • eastwestbank.com

East West Bancorp is a publicly owned company with $21.5 billion in assets and is traded on the Nasdaq Global Select Market under the symbol “EWBC”. The Company’s wholly owned subsidiary, East West Bank, is one of the largest independent banks headquartered in California. East West is a premier bank focused exclusively on the United States and Greater China markets and operates over 125 locations worldwide, including in the United States markets of California, New York, Georgia, Massachusetts, Texas and Washington. In Greater China, East West’s presence includes a full service branch in Hong Kong and representative offices in Beijing, Shenzhen and Taipei. Through a wholly-owned subsidiary bank, East West’s presence in Greater China also includes full service branches in Shanghai and Shantou and a representative office in Guangzhou. For more information on East West Bancorp, visit the Company’s website at www.eastwestbank.com.

Electronic Card Processing, Inc.

7700 Irvine Center Dr., Suite 900
Irvine • 800.291.9582
At Electronic Card Processing we understand your needs when it comes to Merchant Account Services. We are a member of Better Business Bureau and have an outstanding record. We offer Credit card Processing, E-commerce, Electronic Check Processing, Monthly Billing Services, and more. We have over 17 years of experience in the industry. Our processing Bank has done over $4.7 Billion in processing, and over 65,000 active clients on line with us. We can set up any merchant regardless of credit within 24-hours time. We have 100% approval on all our accounts. There is no minimum or maximum processing with us. All our rates and fees come in writing and are 100% fixed. We do not charge any application fees, set up fees, no monthly minimum fees, free warranties and free supplies. If you have any questions, please contact Mr. King Azabdaftari, VP of Sales and Marketing at 800.291.9582. You can also visit us at electroniccardprocessing.com.

F500 Advisory Services, Inc.
19762 MacArthur Blvd., Suite 200
Finance 500 Advisory Services has been providing prudent investment advice and solid portfolio returns for individual and institutional clients since 1984.
Through up and down markets we have helped our customers reach their financial goals and become more fiscally prepared for retirement.
Our strength is our approach to risk and return. We focus on each client’s goals and risk levels, and craft a portfolio that delivers the returns they seek while minimizing the risks they must take. With over 60 years of collective experience in investment management and retirement planning, our clients benefit not only from the wisdom and strength of our organization, but also from a broad range of financial services.

• Asset Allocation & Portfolio Management
• Education Planning
• Insurance & Estate Analysis
• Principle Protection Strategies
• Retirement & Cash Flow Planning
• Wealth Management

Independence Bank
4525 MacArthur Blvd.
Newport Beach • 888.414.0500
Headquartered in Newport Beach, California, Independence Bank operates four offices located in Newport Beach, San Juan Capistrano, Fountain Valley and Tustin. Independence Bank is a full service commercial bank, providing its customers customized personal banking, business banking, and commercial lending solutions. Founded by highly experienced bankers, entrepreneurs and business leaders who live and work right here in Orange County, Independence Bank is a community based institution that specializes in providing customized, personal financial solutions for individual and business customers. Independence Bank is dedicated and passionate about customer service and prides itself in providing prompt and personal attention to each individual customer. Member FDIC.

• Business Banking & Lending Solutions
• Personal Banking
• 4 Convenient Regional Office Locations in Newport Beach, San Juan Capistrano, Fountain Valley and Tustin

MetroPacific Bank
18831 Von Karman Ave., Suite 101
Irvine • 949.477.1200
MetroPacific Bank is number one in acquisition financing in Orange County. If you are engaged in a business, professional firm or franchise looking to acquire another organization, MetroPacific Bank has the right product for you. Our SBA programs or conventional lending programs will get the job done! At MetroPacific Bank we help the small business owner to fulfill their dreams by providing products to help them grow their business. Choose from our SBA 7A, SBA Express, and SBA Patriot Express loan programs, our IOLTA trust accounting system, and our remote deposit product. These are just a few of the products designed to assist small businesses. Think of us, if you are looking for a local bank to come up with solutions to your banking needs. Stop by our office, we’ll keep the vault open for you!

Omega Debt Relief
23161 Mill Creek Drive, Ste 355
Laguna Hills • 800.882.1500
Our firm provides nationwide professional debt negotiation services, debt settlement services, mortgage loan modification, small business debt consulting and specialized debtor scenario strategies.

Sunwest Bank
2050 Main Street, Suite 300            
Irvine • 714.730.4454
With over 40 years in business, Sunwest Bank is one of the strongest community banks in the western region of the United States. Sunwest Bank has offices in Anaheim, Carlsbad, Irvine, Laguna Hills, Oakland, San Clemente, and Tustin, California.  In addition, the bank has branches in Washington and Arizona.  The bank specializes in meeting the credit and cash management needs of small and mid-size businesses.  Visit www.sunwestbank.com or call 800.330.9890 to learn more.

Sunwest Bank recently acquired the assets and deposits of Westside Community Bank in Washington from the FDIC as receiver.

Union Bank
500 S. Main
Orange • 714.565.5561

Union Bank’s Business Banking group serves the needs of a broad range of businesses in varying sizes. The group offers a variety of products and services for business owners, including deposit solutions, loans, lines of credit, specialized credit programs and online business products.
We approach each business one at a time to offer customized financial solutions. Our team is here to help you grow your business by applying a personalized, hands-on approach to understanding your business needs. We have credit available today for qualified applicants, continuing our uninterrupted record of extending credit to businesses in both challenging and robust economic cycles.
Union Bank has a nearly 150-year legacy of responsible lending that has led to our continued growth and our customers’ long-term success. We make all business banking credit decisions locally in Irvine, California, and look forward to continuing our support of working with companies to make the right financial decisions.

Not a commitment to lend. Financing subject to credit and collateral approval by Union Bank. Fees and other restrictions apply. Terms and conditions subject to change. Financing available to businesses located in CA, OR, or WA.

Wells Fargo Orange County Coastal Community Bank

Small businesses can benefit from outside help. Wells Fargo Orange County Community Bank President Ben Alvarado offers tips to build your small business.
Are there areas in managing your small business where you could use an expert hand? Here are a few ways a little help can make your business go a long way.
Keeping the books is the best way to monitor expenses and manage cash flow. With off-the-shelf accounting software programs and online banking tools, you can monitor the inflows and outflows of your business accounts. Offering an array of payment methods provides flexibility to distribute funds, fosters prompt payment, simplifies cash flow and reduces collection costs. Using a payroll provider service saves time by providing automated time and attendance solutions, ensures accurate calculations and filings, and keeps you in compliance with regulations, limiting your liability. Consulting with an employee benefits adviser helps you identify a benefits plan to fit your business and employee needs. Getting market research will provide insight to support your marketing efforts so your business is ready to quickly adapt to a changing market.
Help is right around the corner. Stop by your local branch to visit a business specialist.

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