Business Banking


PositiveChange Business Accounts

Your deposits matter. Your deposits allow us to empower changemakers that are working toward meaningful social justice outcomes and environmental sustainability. Your deposits can create the positive change you want reflected in our communities.

PositiveChange Business Checking Accounts

We offers a variety of accounts designed for a range of businesses from well-established to those just starting up. All of our business checking accounts offer online cash management tools.

Amount to open: $100

Monthly service fees: $0 - $28

Dependent on the type of account, features include:

  • Debit card (all accounts)
  • Unlimited debit card transactions
  • Checks
  • eStatements 
  • Online and mobile banking
  • Bill pay

To learn more about accounts available in your area, call or email our Customer Care Center at or 888.326.2265
Please include your zip code. 

PositiveChange Business Saving Accounts

Amount to open: $25- $1000

Monthly service fees: $0 - $26

Dependent on the type of account, features include:

  • eStatements 
  • Online and mobile banking

To learn more about accounts available in your area, call or email our Customer Care Center at or 888.326.2265.
Please include your zip code. 

PositiveChange CDs

Amount to open: $1,000

Monthly service fees: $0

Features include:

  • Terms of 3 months to 60 months

To learn more about accounts available in your area, call or email our Customer Care Center at or 888.326.2265. Please include your zip code. 

Business Lending

Business Loan Types

We offer tailored financing for all types of commercial properties. Our commercial real estate products include:

  • Acquisition and refinancing of owner-occupied and non-owner-occupied investment properties
  • Interim and long-term real estate financing
  • Neighborhood stabilization financing

Learn more about our commercial loans.

Get Started

Commercial Loan ApplicationBusiness Debt Schedule | Personal Financial Statement

Term Loans

Beneficial State Bank offers several ways to help your company meet its long-term goals. Our business term loans may be used to finance:

  • Equipment and other capital expenditures
  • Tenant improvements
  • Business expansion
  • New business acquisitions
  • Other long-term projects

Get Started

Commercial Loan Application | Business Debt Schedule | Personal Financial Statement

Business Builder Loans

We offer a Business Builder Loan to assist organizations with:

  • Purchasing equipment
  • Financing inventory and accounts receivable
  • Repaying high interest rate business-related debt
  • Business purpose tenant improvements
  • No personal-related debt repayment allowed

Learn more about our Builder Loans (PDF)

Get Started

Business Builder Loan Application (PDF)

Lines of Credit

We offer two ways for your business to take advantage of short-term opportunities as they arise:

  • Our revolving lines of credit finance your short-term working capital needs.
  • Our non-revolving lines of credit let your business borrow funds disbursed over a period of time; once the project is complete, the line converts to a term loan.

Get Started

Commercial Loan Application | Business Debt SchedulePersonal Financial Statement

SBA and USDA Guaranteed Loans

As a national preferred SBA lender, Beneficial State Bank makes getting an SBA loan fast and easy. Choose from one of the many business financing solutions offered by Beneficial State Bank and the Small Business Administration (SBA) or the United States Department of Agriculture (USDA).

These programs can help your small business grow with favorable and flexible terms and competitive loan rates.We offer four options:

  • SBA Express
  • SBA 7(a) Loan
  • SBA 504 Loan
  • USDA Business & Industry

Contact Sue Glass, VP Relationship Manager at 916.394.5342 or to find out which loan is best for you!

Online Cash Management

With our online cash management tools, you can save time, improve your cash flow and streamline your cash management procedures all in a fully secured environment. These feaures include:

  • Business Online Banking
    • Business Bill Pay
    • ACH
    • Positive Pay
    • Remote Deposit Capture
    • Wire Transfer
  • Merchant Card Services
  • Wholesale Lockbox Services

Contact your client and treasury manager or relationship manager for more details.

Merchant Services

Merchant card services allow your business or organization to process credit or debit card payments with efficiency and ease while giving your customers more payment options. 

Dharma Merchant Services

The largest sustainable, socially responsible provider of merchant services and payment processing accounts for both businesses and non-profits. 

As a certified B Corporation and a Green America Green business Leader of the year, they seek to serve with integrity and transparency. By choosing Dharma Merchant Services you are part of a growing movement supporting businesses that make a positive difference in the world. Dharma is uniquely devoted to providing payment processing accounts in a manner which reflects the compassion, respect, and fairness that is at the core of our mutual beliefs. As a socially responsible business, Dharma MS donates 50% of net profits to charity annually. As an environmentally conscious company, Dharma constantly accepts the challenge to reduce our ecological footprint and to partner with sustainable business partners. Dharma Co-Founder and Chief Evolutionary Officer, Jeff Marcous, is also a Beneficial State Bank, Beneficial Banking Ambassador.

Contact them toll-free at 866.615.5157 or via email at

Other Important Info:

Any ATM not in the Beneficial State Bank ATM network is a non-network ATM. Our network includes our office locations and thousands of ATMs coast to coast in the United States and worldwide through our partner providers. Visit their websites to find  locations convenient for you. |

in order to receive discounted pricing:

  • Service Men & Women / Seniors / Students must show appropriate identification.
  • Seniors must be over 55 years old

Documents & Resources:

Online Banking Access Agreement and Electronic Funds Transfer

eStatement Agreement