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Specialty Lending

Merchants Bank of California, N.A. is one of the largest lenders to Money Service Businesses in Southern California. Serving this business sector for nineteen years has created a reputation for fast and dependable service.

Accounts Receivable

Merchants Bank of California, N.A. will convert your accounts receivable into immediate cash. This service provides bridge financing between your billing and collection periods. These lines have a short- to mid-term credit facility to support rapid growth or seasonal needs. Asset-based financing is most suited to a company that has built an asset base to support a line of credit and can be collateralized by a combination of accounts receivable and inventory.

Advantages of Merchants Bank
  • Credit lines from $250,000 to $2,000,000
  • Lower fees than non-bank finance companies
  • Fast approval of line requests
  • Internet access to your accounts
  • No prepayment penalties
  • In-house deposit services
Benefits of Accounts Receivable Financing
  • Increases working capital
  • Take advantage of vendor discounts
  • Take advantage of vendor discounts
  • Purchase additional inventory
  • Offer credit terms to customers


Merchants Bank of California, N.A. provides highly personalized international banking services with a Global Reach. Our international contacts are one of the top reasons our clients depend on us to efficiently and confidently service their overseas financial needs. Our global network of correspondent banks in major financial centers allows us to provide you with a Global Reach. Our veteran team of trade finance specialists has expertise in handling complex international trade transactions. We can personally assist you with customized solutions for your specific trade finance needs while protecting your interests. The combination of our Global Reach and Signature Service will make you feel like you are doing business locally even if your trading partner is thousands of miles away.

Our International Trade Services include:

  • Lines of Credit for Importers/Exporters
  • Government Sponsored Export Programs
  • Import/Export Letters of Credit
  • Standby Letters of Credit
  • Documentary Collections
  • Reimbursements
  • Wire Transfers