Program workspace

“Fund new construction projects”

“Contact one of our commercial loan experts today  Contact Us Locations & Hours Privacy Policy Disclosures Careers Copyright © 2026 City Bank & Trust Co. All rights reserved. Member FDIC. Equal Housing Lender. BACK TO TOP”

“Government backed Small Business Association loans can give your business creative loan options to fit your needs to start or expand your business Business startup and acquisition Business expansion and working capital Asset purchase loans”

“Use to finance business investments including large or small equipment, vehicles or other long term assets Competitive fixed rates and flexible payment structures and financing terms to fit your needs”

“We strive to meet the banking needs of experienced commercial real estate investors and developers. Our relationship begins with a better understanding of your real estate portfolio, your vision and your overall financial situation. Our Services</h2>\r\n<p style=\&#34;text-align: center;\&#34;>City National offers comprehensive commercial real estate financing for&nbsp;multifamily, industrial, office, retail, self-storage,<br>\r\nsenior living, and home builder projects&nbsp;— plus a full suite of deposit and cash management solutions to optimize working capital.</p>\r\n&#34;}}" id="text-2a5113eb42" class="cmp-text">”

“Built for your needs.</h2>\r\n<p style=\&#34;text-align: center;\&#34;>We strive to meet the banking needs of experienced commercial real estate investors and developers.&nbsp;<br>\r\nOur relationship begins with a better understanding of your real estate portfolio, your vision and your overall financial situation.<br>\r\n</p>\r\n&#34;}}" id="text-c8c40ab510" class="cmp-text">”

“Interim Construction”

“CNB provides financing for commercial real estate construction. Visit with a commercial loan officer at any location for available options. *City National Bank is developing a new insurance tracking process for collateral secured loans. In order to keep your insurance information current, you will need to change your lienholder information with the new address below: City National Bank Insurance Center PO Box 775 Kennesaw, GA 30156 Email Address: insdocs4800@oscis.com Fax: 833-470-0733 Phone Number: 469.396.0184 You will be notified via mail of this change, however if you have any questions or concerns, please contact your loan officer or call 903-438-4890. We appreciate your patience and understanding as we try to make this transition as smooth as possible for our customers. *Updated 09/23/2020 You may also be interested in these AUTO LOANS Ready for a new ride? Whether you want to buy a new or used car, we have the loan for you. FINANCIAL CALCULATORS We'll do the work for you. Our Calculators make it easy for you to achieve your financial goals. COMMERCIAL CASH MANAGEMENT A wide range of products and services to keep your business on top. Click here to scroll back to the top of the page Facebook Privacy Policy Terms of Use Financial Calculators Equal Housing Lender Member FDIC © City National Bank. Read more on our accessibility statement”

“Business Planning Article A Guide to Buying Business Property 8 min read Cybersecurity Article Fending Off Fraud: Cybersecurity and Identity Theft Useful Practices 5 min read Investing Article Is Now a Good Time to Invest in Commercial Property? 6 min read BROWSE MORE <span class=\&#34;cmp-text--disclosure\&#34;>City National Bank, its affiliates and subsidiaries, as matter of policy, does not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretation. You should consult with our other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances.</span></p>\r\n<p><span class=\&#34;cmp-text--disclosure\&#34;>Additional Terms and Agreements apply for all City National Bank products and services. For more information, please see the&nbsp;<a href=\&#34;https://www.cnb.com/content/dam/cnb/business-banking/accounts/documents/business-accounts-deposit-account-agreement-174.pdf\&#34; target=\&#34;_blank\&#34;>Treasury Management Disclosure and Agreement</a>.</span></p>\r\n<p><span class=\&#34;cmp-text--disclosure\&#34;>¹All loans, lines of credit and other credit products are subject to credit approval. Additional terms and conditions apply.</span></p>\r\n&#34;}}" id="text-85def3d32a" class="cmp-text"> City National Bank, its affiliates and subsidiaries, as matter of policy, does not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretation. You should consult with our other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances. Additional Terms and Agreements apply for all City National Bank products and services. For more information, please see the Treasury Management Disclosure and Agreement . 1 All loans, lines of credit and other credit products are subject to credit approval. Additional terms and conditions apply. <b><span style=\&#34;font-size: 18.0px;\&#34;>Non-Deposit Investment Products: •&nbsp;Are Not FDIC Insured •&nbsp;Are Not Bank Guaranteed • May Lose Value</span></b></p>\r\n&#34;}}" id="text-07611bcf78" class="cmp-text"> Non-Deposit Investment Products: • Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value \r\n<tbody><tr><th scope=\&#34;col\&#34;>GET TO KNOW CITY NATIONAL</th>\r\n</tr><tr><td><a href=\&#34;/content/cnb/en/about-us.html\&#34; title=\&#34;About Us\&#34;>About Us</a></td>\r\n</tr><tr><td><a href=\&#34;/content/cnb/en/about-us/leadership.html\&#34; title=\&#34;Our Leadership\&#34;>Our Leadership</a></td>\r\n</tr><tr><td><a href=\&#34;https://locations.cnb.com/\&#34; title=\&#34;Branch Locations\&#34;>Locations</a></td>\r\n</tr><tr><td><a href=\&#34;https://careers.cnb.com/\&#34; title=\&#34;Careers\&”

“Mortgage Commercial Real Estate”

“Mortgage Commercial Real Estate”

“&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;h6\&#34;>Los Angeles, CA<br>\r\n San Francisco, CA<br>\r\n Orange County, CA<br>\r\n San Diego, CA<br>\r\n New York, NY<br>\r\n<br>\r\n</span></p>\r\n&#34;}}" id="text-2e5f57affc" class="cmp-text"> Los Angeles, CA San Francisco, CA Orange County, CA San Diego, CA New York, NY <span class=\&#34;h2\&#34;>Our Recent Transactions</span></p>\r\n&#34;}}" id="text-69d697327c" class="cmp-text"> Our Recent Transactions &nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><b><span style=\&#34;color: rgb(51,51,51);\&#34;><span class=\&#34;h5\&#34;>Affordable Housing <br>\r\n Construction Loan</span></span><span class=\&#34;h5\&#34;><span style=\&#34;color: rgb(51,51,51);\&#34;><br>\r\n &nbsp;&nbsp;</span></span></b></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;h3\&#34;><b>$28,600,000</b></span><br>\r\n</p>\r\n<p style=\&#34;text-align: center;\&#34;>July 2024<br>\r\n&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n&#34;}}"> Affordable Housing Construction Loan $28,600,000 July 2024 &nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><b><span style=\&#34;color: rgb(51,51,51);\&#34;><span class=\&#34;h5\&#34;>Single Family Rental<br>\r\n Bridge Loan</span></span><span class=\&#34;h5\&#34;><span style=\&#34;color: rgb(51,51,51);\&#34;><br>\r\n &nbsp;&nbsp;</span></span></b></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;h3\&#34;><b>$13,500,000</b></span><br>\r\n</p>\r\n<p style=\&#34;text-align: center;\&#34;>June 2024<br>\r\n&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n&#34;}}"> Single Family Rental Bridge Loan $13,500,000 June 2024 &nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><b><span style=\&#34;color: rgb(51,51,51);\&#34;><span class=\&#34;h5\&#34;>Apartment Construction Loan</span></span><span class=\&#34;h5\&#34;><span style=\&#34;color: rgb(51,51,51);\&#34;>&nbsp;&nbsp;</span></span></b></p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;h3\&#34;><b>$10,800,000</b></span><br>\r\n</p>\r\n<p style=\&#34;text-align: center;\&#34;>May 2024<br>\r\n&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n&#34;}}"> Apartment Construction Loan $10,800,000 May 2024 <span class=\&#34;h5\&#34;>&nbsp;</span></p>\r\n<p style=\&#34;text-align: center;\&#34;>&nbsp;</p>\r\n<p style=\&#34;text-align: center;\&#34;><span style=\&#34;color: rgb(51,51,51);\&#34;><span class=\&#34;h5\&#34;>Apartment Mini Perm Loan<br>\r\n<br>\r\n &nbsp;</span></span></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;h3\&#34;><b>$28,800,000</b></span><br>\r\n</p>\r\n<p style=\&#34;text-align: center;\&#34;>January 2024<br>\r\n</p>\r\n<p style=\&#34;text-align: cent”

“City National offers comprehensive commercial real estate financing for multifamily, industrial, office, retail, self-storage, senior living, and home builder projects — plus a full suite of deposit and cash management solutions to optimize working capital. <img src=\&#34;/content/dam/cnb/global-assets/images/icons/pbb-blue/loans-1-icon-pbb.svg\&#34; alt=\&#34;\&#34;><br>\r\n<span class=\&#34;h6\&#34;>Lending¹</span></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;cmp-text--subhead2\&#34;>Construction Loans<br>\r\n Bridge Loans<br>\r\n Permanent Lending<br>\r\n Construction-to-Permanent<br>\r\n Land<br>\r\n Lines of Credit</span></p>\r\n&#34;}}" id="text-5c91553b45" class="cmp-text"> Lending 1 Construction Loans Bridge Loans Permanent Lending Construction-to-Permanent Land Lines of Credit <img src=\&#34;/content/dam/cnb/global-assets/images/icons/pbb-blue/renewal-icon-pbb.svg\&#34; alt=\&#34;\&#34;><br>\r\n<span class=\&#34;h6\&#34;>Services &amp; Solutions</span></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;cmp-text--subhead2\&#34;>Depository<br>\r\n Treasury<br>\r\n Swap<br>\r\n Loan Syndications<br>\r\n Interest Rate Hedging<br>\r\n Certificates of Deposit<br>\r\n ACH, Lock Box, and Wire Transfers<br>\r\n <a href=\&#34;/content/cnb/en/personal-banking/wealth-management/1031-exchange-services.html\&#34; target=\&#34;_self\&#34;>1031 Exchanges</a><br>\r\n <br>\r\n </span></p>\r\n&#34;}}" id="text-9e96e34a82" class="cmp-text"> Services & Solutions Depository Treasury Swap Loan Syndications Interest Rate Hedging Certificates of Deposit ACH, Lock Box, and Wire Transfers 1031 Exchanges <img src=\&#34;/content/dam/cnb/global-assets/images/icons/pbb-blue/lightbulb-icon-pbb.svg\&#34; alt=\&#34;\&#34;><br>\r\n<span class=\&#34;h6\&#34;>Industry Expertise</span></p>\r\n<p style=\&#34;text-align: center;\&#34;><span class=\&#34;cmp-text--subhead2\&#34;>Industrial<br>\r\n Multifamily<br>\r\n Office<br>\r\nRetail<br>\r\n For-Sale Housing<br>\r\n Affordable Housing<br>\r\n Self Storage<br>\r\n Senior Housing</span></p>\r\n&#34;}}" id="text-1ae18e2a66" class="cmp-text"> Industry Expertise Industrial Multifamily Office Retail For-Sale Housing Affordable Housing Self Storage Senior Housing”

“Acquisition, development and construction financing for multi-unit residential projects.”

“Business Business Banking Small Business Banking Corporate Banking Commercial Real Estate Banking ICS Services Zelle Business Lending Small Business Lending Corporate Lending Commercial Real Estate Lending Capital Markets (Bci Capital) Treasury Management Cash Management Fraud Prevention Merchant Services Specialty Services Community Associations Professional Solutions Legal Solutions Healthcare Solutions Corporate International Services ROUTING NUMBER 066004367 Related Articles View All How Growing Businesses Can Modernize Payables 5/19/2026 City National Bank Of Florida Bolsters International Business With Launch Of Country-Specific Teams For Latin American Clients 4/6/2026 City National Bank Of Florida Welcomes New Commercial Banking Director And Four Bankers 11/5/2025 DOWNLOAD OUR MOBILE BANKING APP For more information please contact our specialists or call us. Contact Us Phone: 305-448-6500 or 833-448-6500 ‍ Hours: Monday - Friday: 8:00 AM to 8:00 PM Saturdays: 8:00 AM to 2:00 PM (Excluding federal holidays) View Bank Holiday Schedule”

“For more information please contact our specialists or call us. Contact Us Phone: 305-448-6500 or 833-448-6500 ‍ Hours: Monday - Friday: 8:00 AM to 8:00 PM Saturdays: 8:00 AM to 2:00 PM (Excluding federal holidays) View Bank Holiday Schedule Business Business Banking Small Business Banking Corporate Banking Commercial Real Estate Banking ICS Services Zelle Business Lending Small Business Lending Corporate Lending Commercial Real Estate Lending Capital Markets (Bci Capital) Treasury Management Cash Management Fraud Prevention Merchant Services Specialty Services Community Associations Professional Solutions Legal Solutions Healthcare Solutions Corporate International Services”

“The FDIC Money Smart Program is designed to boost your financial skills. You can explore Money Smart resources, as they are available 24/7. These tools are free of charge and available for all, so remember to share the tools with your family and friends. Explore The FDIC Money Smart Program Please note: City National Bank of Florida does not offer tax, legal or accounting advice”

“Become a homeowner with a Federal Housing Administration (FHA) loan for buyers with limited income and savings for a down payment, and lower credit scores. calculator disclaimer Access Qualify with lower credit score, income Affordable Lower down payment, flexible FHA loan requirements Government-insured Lower rates, backed by Federal Housing Administration”

“Lower income requirements More flexible terms compared to traditional mortgages Get favorable interest rates; FHA loan is insured by the Federal Housing Administration”

“Who’s eligible for an FHA mortgage? FHA mortgages are designed for low- to-moderate income people who have a valid Social Security number, are eligible to work in the United States, and are of legal age to sign on a mortgage in the state where the home is located. Does FHA provide direct funding? No, FHA does not provide direct financing and does not loan money to homebuyers. FHA-approved lenders can help initiate the loan application. Can members with credit issues get an FHA mortgage? Yes. FHA offers loans to borrowers with limited to no credit, and with less than perfect credit history. FHA loans offer more flexible underwriting requirements and leniency to borrowers with past credit issues. How much down payment is needed to qualify for an FHA mortgage? FHA loans have down payments as low as 3.5% and that money can come from a family member, employer, or charitable organization as a gift. Other loan programs don't allow this. What is an escrow account? It’s an account held by your mortgage service provider that holds money from your monthly mortgage payments to pay your taxes and insurance when they are due. What is cash-out refinancing? This is where you get a mortgage loan for more than you currently owe on your home. The difference between the new, refinanced mortgage and the balance on your previous mortgage goes to you as cash at closing. Is a fixed-rate mortgage better than an adjustable-rate mortgage? Your needs will determine which one will best fit your unique circumstances. A fixed-rate mortgage has predictable payments for the entire term of your mortgage loan. An adjustable-rate mortgage (ARM) starts off as fixed and moves to a variable – meaning a changing rate. An ARM option can be helpful for short-term ownership, but your specific needs will help inform your decision. How do I pay my property tax? Each month, when you make your monthly mortgage payment, your lender will take a portion of that money and put it in your escrow account. Your mortgage servicer will hold that money until your property taxes and insurance are due. View All FAQs”

“Owning a home is a big milestone. It may seem impossible if you have limited income, a lower credit score, or have had past financial setbacks. The good news: This FHA Loan 1 was designed for you, to help make homeownership a reality. FHA loans have down payments as low as 3.5%, with even more flexible loan requirements than traditional mortgages. That means your start to homeownership can be lower than traditional mortgages with even more flexible FHA loan requirements. FHA loans are available to borrowers across income levels, including but not limited to, first-time homebuyers, manufactured housing and mobile home buyers, or those making energy-efficient updates. If you have never owned a home, or have not owned a home in the past three years, you may be eligible for a grant through the First-time Homebuyer Program . This grant can help with down payment, closing costs, or to reduce the principal on your home loan. This FHA Loan from Civic may be your next step to homeownership.”

“Bank CTA Block Choose a checking account that fits and rewards your lifestyle compare accounts Checking Compare Checking Accounts Signature+ Checking Essential Checking Fire Service Debit Card Parks & Rec Debit Card Rescue & EMS Debit Card Savings Savings Overview Select Savings Money Market Choice Money Market Choice Certificates Jumbo Choice Certificates Steady Save Savings Health Savings Account Retirement Savings IRAs Overview Roth IRA SEP IRA Traditional IRA IRA Choice Certificates Youth YoungStar Kids NextGen Checking NextGen Savings Extra Links Right How-to guides Calculators You + Money blog Bottom Nav Find locations & ATMs Check application status Make a loan payment Contact us Media contact Routing number Routing Number 253184537 Borrow CTA Block Dream it, plan it, and fund it with a low-rate HELOC , plus no closing costs. learn more Auto Auto Loan Overview New Auto Loan Used Auto Loan Auto Refinance Loans Personal Line of Credit Credit Builder Loan Personal Loan Credit Cards Credit Card Overview Rewards Credit Card Classic Credit Card Home Home Equity Line of Credit Adjustable-Rate Mortgage Fixed-Rate Mortgages FHA Mortgage VA Mortgage Special Mortgage Programs Extra Links Right How-to guides Calculators You + Money blog Bottom Nav Find locations & ATMs Check application status Make a loan payment Contact us Media contact Routing number Routing Number 253184537 Insure CTA Block Repair protection begins with Civic’s auto warranty learn more Vehicle Auto Insurance Auto Warranty Gap+ Insurance Property Homeowners Insurance Life Term Life Insurance Whole Life Insurance Other NCUA Deposit Insurance Credit Insurance Extra Links Right How-to guides Calculators You + Money blog Bottom Nav Find locations & ATMs Check application status Make a loan payment Contact us Media contact Routing number Routing Number 253184537 Services CTA Block Go ahead, bank from there - anytime, anywhere with the Mobile App. learn more Account Management Digital Services Overview E-statements Overdraft transfer services Notary Services Recovery Assistance 360 Financial View Accounts Hub Financial Health Tools myScore+ Credit Tool Transfers & Payments Any ATM Bill Pay Courtesy Pay Direct Deposit Send money with Zelle Transfer Money Add cash with barcode Card Management Card Control+ Contactless Payment Visa Card Benefits Extra Links Right How-to guides Calculators You + Money blog Bottom Nav Find locations & ATMs Check application status Make a loan payment Contact us Media contact Routing number Routing Number 253184537 Business CTA Block Apply for a Business Rewards Credit Card to turn your business purchases into monthly statement credits. apply today Checking Business Checking Nonprofit Checking Savings Business Savings Business Choice Certificates Business Jumbo Choice Certificates Business Money Market Nonprofit Money Market Loans Real Estate Terms (short/long) Line of Credit Fire & EMS Lending Credit Cards Business Rewards Card Extra Links Right Business Overv”

“Closing cost credit up to $1,500 new homebuyer Finance up to 100% of mortgage first-time homebuyer only”

“The home loan built for those who serve, open to current service members, veterans, and their family members. Get financing up to 100% Reduced closing costs and no Private Mortgage Insurance (PMI) Loans made under this program are guaranteed by the U.S. Department of Veterans Affairs (VA) learn more”

“We've partnered with the Credit Union Mortgage Association (CUMA) for a streamlined homebuying process. Apply online through the Mortgage Center and a CUMA agent will reach out to you to talk next steps to pre-qualification. For the best member experience, use the Mortgage Center with a desktop or laptop computer. 1. Find your rate 2. Apply online 3. Talk with an agent”