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Mike Garcia

SVP Commercial Banking at Oak Valley Community Bank

Lender Type: Bank

About

Garcia has been with Oak Valley Community Bank since 2014 and has nearly 20 years of banking experience. He is a current member of Modesto Rotary and Del Rio County Club and serves as a Planning Commissioner for the City of Ripon. Garcia is also a former board member of the Central Valley Family Business Center and the Modesto Chamber of Commerce. Garcia was recognized by Success Capital Expansion and Development Corporation in 2019 and 2020 for making the “Largest SBA 504 Loan” in each year. His lending activity has also been instrumental in the bank’s recognition as their “Most Active Lending Partner” for the past five years. He is a past Modesto Bee “Top 20 Most Influential Under 40” award recipient. Garcia holds a Bachelor of Science in Business Administration with an emphasis in Finance from the University of Phoenix. He will also graduate from the Pacific Coast Banking School at the University of Washington later this year.

Deal Criteria

LOCATION

SF Bay Area

Industrial

LOAN SIZE

$2M - $20M

LTV

10% - 60%

RATES

4.000% - 6.250%

TERM

12 - 84 Months


Retail

LOAN SIZE

$2M - $15M

LTV

10% - 50%

RATES

4.000% - 6.000%

TERM

12 - 84 Months


Office

LOAN SIZE

$2M - $20M

LTV

10% - 50%

RATES

4.000% - 6.500%

TERM

12 - 120 Months

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