Not only do we help small businesses purchase or construct real estate, but we also can with with other financing needs via our Community Advantage Program. We’re thrilled to share that we just closed a $150,000 Community Advantage loan for a wine service company in San Jose! 🍷🎉 The loan will help them purchase equipment to improve their operations and continue serving their customers more efficiently. The Community Advantage loan is an affordable financing option designed to support small business owners at any stage of their journey. Whether it’s for inventory, equipment, working capital, tenant improvements, or other business expenses, this program provides the funding needed to grow and thrive. Learn more.

First Financial Bank is a leading financial institution with strong ag lending expertise. We are proud to have been named the 2023 “Top Ag Lender in the Nation” in the $1 billion asset category by ICBA. We are committed to understanding your long-term objectives and developing personalized strategies to give you the financial foundation you need for success.  Whether it’s equipment, buildings, or something else, when you partner with First Financial, we can help you invest in your operation without straining your resources. Our goal is to help you preserve your liquidity, optimize your tax deductions, and lease the asset that fits the needs of your operation. Why a lease might work for you Minimize capital outlay  Maximize or accelerate your tax deductions*  100% financing options  Fast approval time  How a lease might work for you Lease equipment up to 7 years; buildings and grain bins up to 10 years  Lease for another period of time if

We just closed on another vineyard!  We helped a winery and event space in Sacramento purchase a new facility for their growing business for $1.317 million.  By utilizing the SBA 504 Program, we were able to help the owners obtain 85% financing and a below-marketing interest rate, fixed for 25 years. They will also be switching from renting to owning! Learn more at www.tmcfinancing.com

Celebrity-owned Cottonwood winery receives funding from California-based financial company

Maynard James Keenan, renowned as the frontman of the iconic rock band Tool, has embarked on an ambitious expansion of his Verde Valley winery and vineyard located in Arizona. To...

Does a Revolving Line of Credit Loan (RLOC) meet my needs? Do you need to use the equity in your farm to purchase more farm land? Will you need all of the loan proceeds at once, or over several months? Do you need financing to develop raw land for permanent plantings? If you answered yes to any of these questions, then a Farmer Mac Farm Real Estate RLOC may be for you. Farm Real Estate Revolving Line of Credit  Guidelines: Loan-to-value up to 50% of bare land value Minimum debt coverage of 1.35:1 Debt-to-asset ratio maximum of 50% Current ratio minimum of 1.25:1 Minimum 680 credit score Minimum Loan size of $50,000 Collateral for the loan is first lien on real estate Features: Borrowing power up to 50% of your bare land value A 5-year interest-only draw period option, followed by a 15, 20, or 25-year amortization The option to renew the 5-year interest-only draw period for an additional 5 year period A 10-year interest-only draw period option*, followed by a 10, 15, or 20-year amo

TMC Financing Helps Les Lunes Wine Secure $3.8M for Building and Equipment Purchase with only 10% Down The SBA 504 loan program was clearly the best option for us. In fact, conventional loans just weren’t even feasible, given the much higher owner equity that they require,” states vintner Shaunt Oungoulian, owner of Les Lunes. Conventional commercial mortgages typically require 20-30% as a down payment, while most SBA 504 loans only require 10%. SBA 504 financing for commercial real estate and essential equipment Another advantage that was important for Shaunt and Diego Roig was that the SBA 504 loan program allowed them to roll the cost of equipment into the loan package – something that’s not available through conventional real-estate loans but was critical for them. In this way, the Les Lunes team also benefits from the longer amortizations available with the SBA 504 loan program, with more affordable monthly payments. “A key benefit for us was that TM

Experts estimate the global wine market will reach a size of $825 billion by 2030 – and a significant part of that growth will happen due to expanded production in Napa Valley, California. Renteria Vineyard Management is at the forefront of premium wine production. “Renteria Vineyard Management is a full-service vineyard management company,” explains Blanca Wright, its Chief Financial Officer. “We start in the vineyards when the plants wake up all the way until they go to sleep.” With over 2,000 acres under management, the firm will add about 150 more in 2023, reaching 600 employees at peak season. With help from TMC Financing and the SBA 504 Loan Program, Renteria recently acquired a 5,049-square-foot building in the heart of Napa’s wine country for $1.4 million and only 10 percent down payment. “Renteria has been a longtime leasee, but owning was always a goal for them,” explains Anna Rummelein who administered the SBA 504 lo