City National Small Business Ladder Up Program


Empowering underserved business owners with tailored banking products to grow their businesses.

Why City National?

We’re here to listen, learn and help your business succeed. Through this small business special purpose credit program (SPCP) you’ll get tailored consultations, easier access to capital and a wealth of educational resources all designed to support your goals.


Receive guidance from a dedicated, local Business Community Manager, who knows your community and understands your business’s
unique needs.

Access to Capital

Boost your potential with access to capital; we offer loans up to
$3 million to help your company scale quickly and efficiently.

Business Growth

We work alongside you at every stage of your business journey to help grow your operations and allow you to achieve new heights.

Elevating Diverse Entrepreneurs

We are committed to empowering businesses that are often overlooked for funding yet represent the hearts of our communities. Our purpose is to offer comprehensive support to minority, women and LGBTQI+ entrepreneurs. If you are part of one or more
of these groups, we encourage you to contact us to discuss your specific needs and learn more.

Additional Benefits

At City National, we recognize the important role local businesses play in creating strong and vibrant communities. Let us help you do business.

  • Cash Flow Management 
    Guidance on using external capital and credit to expand your business.
  • Fraud Protection
    Implement tools and processes that will mitigate risk and protect your finances.
  • Deposit Resources
    Comprehensive personal and business banking solutions.1
  • Waived Maintenance Fee Business Checking Account
    Qualified applicants may be eligible for a Business Checking account with a waived monthly maintenance fee for the first two years.2

Program Eligibility

Our Small Business Ladder Up Program provides eligible business owners3 the chance to develop and grow their businesses.

  • Diverse Ownership: Businesses that are more than 50% owned by minorities, women or members of the LGBTQI+ community, including any combination of the three.3
  • Established Businesses: Businesses that have been operating for at least two years and are in good standing in the state where they are registered.
  • For-Profit: Businesses must have earned $5 million or less in gross revenue in the previous year.4
  • Local to LA County: Businesses must be based in designated areas in
    Los Angeles County.5
  • Credit Ready:  A minimum FICO score of 660 is required.

Connect with us.

Send us your information and a member of our team
will contact you to get started.

*Required information

Enter your company name
Enter your full first name, no initials
Enter your full last name, no initials
Enter your full street address, including city and state
Enter a 5- or 9-digit numerical value
Do not add "1" before the area code
Enter a valid email address

We’re Sorry there was an error ! Please try again.

Thanks For Getting In Touch!

A bank representative will be reaching out to you shortly. In the meantime, check out our latest news and insights.

By submitting this form you are authorizing City National Bank to: (1) contact you via phone and/or email; (2) send you emails for marketing purposes; and (3) collect and use your information according to the terms of our Privacy Policy.

Stories, Guidance & Perspectives

From understanding your goals to coming up with creative solutions, we’re here
to help navigate decisions about your business, so that you can grow with confidence.

Small Business Resource Center
Our online resources can help small businesses overcome traditional challenges in acquiring capital. We’re here to help support and empower your business journey.

Financing under the Small Business Ladder Up Special Purpose Credit Program (SPCP) in select geographies is subject to credit approval. All loans, lines of credit and other credit products are subject to credit approval. Additional terms and conditions apply. Not all applicants will qualify.

1Please refer to City National’s Account Agreement and Disclosures and applicable Fee Schedule for details.

2Monthly Maintenance Fee is waived for the first two years on a Business Checking Account for an account owner who has received final approval of a qualifying Small Business Ladder Up Program loan. Limit one Business Checking Account with waived Monthly Maintenance Fee per approved business entity. Standard monthly maintenance fees per City National's Account Agreement and Disclosures and applicable Fee Schedule shall apply after the first two years.

3The eligible for-profit small business must be more than 50% owned by minorities, women, or persons who identify as LGBTQI+. LGBTQI+ means persons who identify as lesbian, gay, bisexual, transgender, queer/questioning, intersex, asexual, etc. Minority racial categories include (i) Black or African American, (ii) American Indian or Alaska Native, (iii) Hispanic/Latino, (iv) Asian, or (v) Native Hawaiian or other Pacific Islander as defined by the Equal Credit Opportunity Act (ECOA).

4Small business refers to a U.S. registered for-profit business entity with $5 million or less in gross annual revenue in the prior fiscal year, or to the individual in the case of sole proprietorships applying for credit.

5Eligible borrower / business must complete an application and opt in by completing a demographic information form at application to qualify. City National Bank does not discriminate on this or any other prohibited basis.