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Talk with us:
(800) 773-7100

Our Mission

City National's mission is to provide the ultimate banking experience for successful entrepreneurs and professionals through an uncommon dedication to extraordinary service, proactive advice and total financial solutions.

Popular online services

  • City National Online
  • Business Online
  • Treasury Net
  • E-Deposit
  • Wholesale Lockbox

Need Assistance?
Toll-Free (800) 599-0020
Available Monday - Friday / 5:30 a.m. to 7:00 p.m. PT




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Commercial Equity Line

Our flexible credit structures are designed to help you meet your business goals. With our Commercial Equity Line of Credit, you can tap into the equity of eligible commercial real property. Our Commercial Equity Line of Credit includes the following features:1

Range of Line Sizes
From $250,000 to $2,000,000
Line Amount
Up to 70% of the appraised value of the commercial real property securing the line of credit.2
Term/Payment
Three years, with monthly interest only payments. Balloon payment of outstanding balance is due at maturity.
Interest Rate
Variable rate tied to City National Bank ("CNB") Prime Rate, plus a margin determined by CNB. Minimum rate of 3.50%.
Collateral
A security interest of first or second lien priority3 on commercial real property; no subordinate liens permitted. Certain types of commercial real property excluded. Additional collateral and guaranties may be required.
Access methods
Checks, Online Banking, Online Loan Transfers, Telephone
Closing Costs/Fees
Loan fee of 0.25% of Line Amount, plus out-of-pocket fees and expenses.4
Annual Fee
None

Getting Started

To learn more about our small business line of credit products, call us Monday through Thursday 6:00 a.m. - 5:30 p.m. and Friday 6:00 a.m. - 6:00 p.m. (PT) at (800) 773-7100, contact us or visit one of our local City National locations.

  1. Commercial Equity Line of Credit ("CELC") is subject to credit and property approval. Commercial real property securing the CELC must be located in California, Georgia, Nevada, certain counties in New York, and Tennessee. No residential property. For California, Georgia, Nevada and Tennessee, CELC is a revolving line of credit. For New York, CELC is a non-revolving line of credit. CELC must be used for business purposes only (excluding purchasing the commercial property securing the CELC). Additional terms and conditions apply. Ask us for details.
  2. Maximum loan-to-value depends on the type of commercial real property securing the CELC. Appraised value of the property to be determined by an appraisal obtained by CNB.
  3. Security interest of second lien priority permitted only if CNB has a lien of first priority on the commercial real property collateral.
  4. Out-of-pocket fees and expenses include, without limitation, appraisal, title insurance, loan closing attorney (if applicable) and any applicable mortgage or recording taxes. Ask us for more details.