NorCal Blog

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February 7, 2024

Understanding the 5 C's of Credit

The 5 C's of credit are factors used to score loan applications, but what do they mean?

December 7, 2022

The 9 Commercial Real Estate Loan Terms You Didn’t Know Were Flexible

Commercial real estate loan terms are more flexible than you might expect.

December 7, 2022

How Do Lenders Analyze Real Estate Investment Properties?

Are you thinking about buying an investment real estate property?

February 7, 2024

Working Capital: What Is It & Why Is It Important?

In short, working capital is a metric often used by lenders to assess a small business loan applicant’s assets available to meet its current, short-term obligations.

February 7, 2024

The Current Ratio: What Is It & Why Is It Important?

In short, the current ratio is one metric often used by lenders to calculate a small business loan applicant’s ability to meet its current, short-term obligations.

February 7, 2024

What Are The Different Types of Small Business Loans?

The three most common types of small business loans are term loans, revolving lines of credit, and non-revolving lines of credit.

December 7, 2022

Title Reports 101

Seven things you should to know about property titles.

December 7, 2022

What Do Amortization and Re-Amortization Mean?

When most people think about real estate loans, they immediately think of residential mortgages. Generally speaking, most residential mortgages are for 15 or 30-year terms. Residential mortgages are a

February 7, 2024

What Makes Northern California National Bank Different?

Based in Chico, we also have offices located in Sacramento, Redding, and San Francisco, serving business owners, real estate investors, and farmers across northern California.