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CORPORATE INFORMATION

Provident Bank
3756 Central Avenue
Riverside, CA 92506
Phone:  (951) 686-6060

IMPORTANT NUMBERS

Access Plus Direct Talk
24 Hour Information
Phone:  
(800) 442-5201

Debit Card PIN Update
Phone:  
(800) 567-3451

Provident Bank Mortgage
Direct Loan Center

Monday - Friday
Phone:  (800) 250-1713

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• COMMERCIAL LOAN PROGRAMS

 
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When you're looking for a real estate loan, it's important to deal with professionals who recognize that real estate lending needs differ with every situation. Whether you are purchasing a building, expanding your current facility or building a new location, Provident Bank can help you select a loan program which fits your needs. Our goal is to build a lasting business relationship with you!

Provident Bank's team of lending professionals offers Commercial Real Estate loans on multifamily and commercial real estate properties located in Southern California. We offer adjustable rate financing at competitive rates for loan amounts starting at $350,000. We provide financing for many income property types:
  • Industrial
  • Office
  • Mobile Home Parks
  • Self-Storage
  • Construction Loans - Commercial
  • Multifamily
  • Retail
To find out more about our flexible and competitive loan programs, contact one of our Commercial Loan Agents.
COMMERCIAL LOAN AGENTS
Agent (Click for Site) Phone Number Cell Number Fax Number Email Address
Dale Reed, NMLS #1168394
VP, Construction Loan Manager
(951) 786-8923 (951) 205-5366 (951) 782-6132 dreed@myprovident.com

Gina Koenen, NMLS #613320
VP, Commercial Loan Officer / Southern California
(951) 782-6149 (951) 403-0567 (951) 300-4112 gkoenen@myprovident.com
Lisa Waterbury, NMLS #768858
VP, Commercial Loan Officer / Southern California
(951) 782-6145 (909) 240-0436 (951) 782-6132 lwaterbury@myprovident.com
Stacy Loreto, NMLS #913152
VP, Commercial Loan Officer / Southern California
(323) 240-0836 (951) 782-6132 sloreto@myprovident.com
Kegan Sharp, NMLS #1088743
VP, Commercial Loan Officer / Southern California
(619) 908-2010 (951) 782-6132 ksharp@myprovident.com
Martin Hershey, NMLS #1101006
VP, Commercial Loan Officer / Southern California
(310) 844-5902 (951) 782-6132 mhershey@myprovident.com
Morty Rosenthal, NMLS #1603489
VP, Commercial Loan Officer / Southern California
(760) 771-3500 (760) 490-4555 mrosenthal@myprovident.com
LeeAnn Virzi-Biber, NMLS #1622471
VP, Commercial Loan Officer / Southern California
(951) 901-0171 (951) 782-6132 lvirzibiber@myprovident.com
Catherine Xu, NMLS #1226874
VP, Commercial Loan Officer / Northern California
(408) 202-6561 (951) 782-6132 cxu@myprovident.com
Fred Cebalo, NMLS #1428607
VP, Commercial Loan Officer / Northern California
(415) 290-9818 (951) 782-6132 fcebalo@myprovident.com
Robert Feldman, NMLS #1692361
VP, Commercial Loan Officer / Northern California
(415) 608-5608 rfeldman@myprovident.com
Charles Bogusz, NMLS #1408653
VP, Commercial Loan Officer / Southern California
(818) 426-4152 (951) 782-6132 cbogusz@myprovident.com
Nicholas Roussos, NMLS #1696847
VP, Commercial Loan Officer / Southern California
(714) 681-0001 (951) 782-6132 nroussos@myprovident.com

Kelly Burns, NMLS #765407
AVP, Relationship Manager / Business Banking
(951) 202-8689 (951) 782-6132 kburns@myprovident.com
Provident Bank's loans are priced competitively within the market place. All loans are subject to the standard terms and conditions contained in the Provident Bank loan documents. Programs are subject to change without notice.

COMMERCIAL REAL ESTATE LOANS:

Provident Bank provides financing for office buildings, industrial centers, retail, and other commercial properties and facilities.

Property Types:

Office buildings, industrial, mini warehouse, retail

Loan Size:

Minimum loan amount $350,000

Program Types:

Straight Adjustable

1, 3, 5, YR Fixed/Adjustable

Term:

10 years

Amortization:

25 or 30 yrs maximum

Loan To Value:

70% maximum on office and industrial & retail
70% maximum on mini warehouses

Minimum Debt Coverage Ratio:

industrial, office, retail - 1.25%
mini warehouse - 1.30%

Recourse:

Full Recourse

Loan Fee:

Up to 1 point

Processing Fee:

$1,950.00

Legal Costs:

Billed at actual cost if outside counsel is required

Other Costs:

Appraisal, Title, Environmental, and Closing Costs

Impounds:

May be required for taxes and insurance

Prepayment Fee:

Yes

Broker Submissions:

Accepted


MULTIFAMILY LOANS:

Provident Bank can provide funding for apartment projects and mobile home parks.

Property Types:

Apartments, Mobile home parks

Loan Size:

Minimum loan amount $350,000

Program Types:

Straight Adjustable

3, 5, 7 YR Fixed/Adjustable

Term:

30 years

Amortization:

30 yrs maximum

Loan To Value:

75% maximum

Minimum Debt Service Coverage:

Apartments - 1.25%
Mobile home parks - 1.25%

Recourse:

Full Recourse

Loan Fee:

Up to 1 point

Processing Fee:

$1,950.00

Legal Costs:

Billed at actual cost if outside counsel is required

Other Costs:

Appraisal, Environmental, Title, and Closing Costs

Impounds:

May be required for taxes and insurance

Prepayment Fee:

Yes

Broker Submissions:

Accepted



CONSTRUCTION LOANS:

Provident Bank can help you finance the construction of multifamily units, commercial and industrial buildings or residential development. When starting a new construction project, start by talking to us first!

Property Types:

Commercial, Multifamily and SFR

Loan Size:

Minimum loan amount $300,000

Term:

12 months Fixed

Amortization:

Interest only as Disbursed

Loan To Value/Loan To Cost:

65% maximum

Minimum Debt Service Coverage:

Commercial - 1.25%, Tract - N/A

Recourse:

Yes

Loan Fee:

1 point

Processing Fee:

$1,950.00

Legal Costs:

Billed at actual cost if outside counsel used

Other Costs:

Fund Control/Inspection Fee, Appraisal, Title, Environmental, and Closing Costs

Prepayment Fee:

None

Broker Submissions:

Accepted

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NMLS ID#: 449980 | Routing Number: 322270518
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