Venture Banking

Built for every stage of growth.

Venture Banking

Banking for founders, operators and investors.

Building a high-growth company or managing private capital requires more than a standard banking relationship. Banc of California's Venture Banking team helps founders, CFOs, operators and private capital investors navigate every stage of growth with tailored financing, treasury and deposit solutions, supported by experienced bankers who understand the venture ecosystem.

Financing

Flexible financing for how growth companies operate.

Venture-backed companies do not all grow the same way. Our team works with you to understand your business model, capital needs and growth plans, then helps shape financing structures that support your next stage.

ARR financing

For companies with annual recurring revenue, ARR financing may support growth initiatives, acquisitions and general corporate needs. Structures can include a term loan, revolving line of credit or delayed draw term loan.

Term loans

Term loans may help finance growth initiatives, equipment, acquisitions, runway extension or other approved business needs. Draw periods, interest-only periods and amortization schedules vary by transaction.

Nonformula lines of credit

A nonformula line of credit can provide revolving access to capital for short-term working capital gaps and runway planning, with availability and terms based on company performance, structure and credit approval.

MRR revolving lines of credit

For companies with monthly recurring revenue, an MRR revolving line of credit may provide formula-based availability tied to recurring revenue and company metrics such as retention or churn.

Combination structures

Many companies benefit from a combination of financing solutions. Our Venture Banking team can help evaluate structures that align with your operating model, capital needs and plans for growth.

Treasury and Deposits

Treasury and deposits built for liquidity, visibility and control.

As companies grow, cash management becomes more demanding. More payments, more stakeholders and more pressure on liquidity require a disciplined banking strategy that supports daily operations and puts excess balances to work where appropriate.

Operating cash and daily liquidity

Operating accounts designed to support day-to-day liquidity and provide clear visibility into cash positions.

Deposit and sweep solutions

Money market accounts, target balance sweep solutions and other liquidity options designed to help manage surplus operating cash.

Payments and collections

ACH, wires, remote deposit capture, lockbox, business credit cards and bill pay solutions to support everyday money movement.

Controls, reporting and visibility

Positive Pay, ACH controls, online banking and reporting tools that can strengthen oversight and support more informed cash decisions.

How We Work

A clear path from first conversation to ongoing support.

From the first conversation through onboarding and beyond, we work to give companies and investors a clear path forward. The timing and sequence of each step vary by transaction. 1

01

Start with context

We begin by understanding your business model, capital needs, growth plans and operating priorities.

02

Shape the structure

Together, we evaluate a potential structure aligned with your organization, objectives and banking needs.

03

Execute the transaction

We guide the process through diligence, underwriting, documentation, closing and banking onboarding.

04

Evolve as you grow

As your needs change, we remain involved through renewals, expansion and future opportunities.

Why Banc of California

Built for the realities of growth.

Work with a Venture Banking team that understands the speed, complexity and changing needs of growth-stage companies and private capital firms.

  • Dedicated Venture Banking team

    Work with bankers who understand the needs of growth companies, founders, operators and private capital firms.

  • Integrated financing and treasury

    Bring financing, cash management, deposits and liquidity support together through one banking relationship.

  • Specialized industry perspective

    Access focused support for life sciences, technology and private fund operations.

  • Support as needs evolve

    Maintain a relationship that can evolve alongside your growth, operating priorities and future opportunities.

Business Insights

Insights for founders and innovators.

Explore practical guidance on funding, banking relationships and operating decisions that can support your next stage of growth.

Illustration of a person adding a coin to a large light bulb Venture Debt The Founders’ Guide to Venture Debt Learn how venture debt may help fund growth while limiting equity dilution. Read article Illustration of two professionals meeting across light bulbs Venture Capital What Is VC Funding? Explore how venture capital works, the stages of funding and how it can support innovation. Read article Team reviewing business performance data around a conference table Startup Banking Banking Tips for Startups Consider the banking tools, financing access and relationship support your company may need as it grows. Read article

CONNECT WITH A VENTURE BANKER

Whether you’re raising capital, managing cash or planning for growth, our Venture Banking team can help. Let’s discuss your business, banking needs and how our financing, treasury, deposit and fund finance solutions can support your goals.

Frequently Asked Questions

Venture Banking FAQs

Answers to common questions about Venture Banking, financing, treasury services and liquidity support.

What is Venture Banking?

Venture Banking is specialized banking for high-growth companies and the investors who support them. It can include financing, deposit strategy, treasury management, payments, liquidity solutions, and relationship support designed around growth-stage needs.

Who does Banc of California Venture Banking serve?

Banc of California Venture Banking serves venture-backed and growth-stage companies, founders, CFOs, operators, venture capital firms, private equity investors and private fund managers.

What is venture debt?

Venture debt is a form of financing that may help venture-backed companies extend runway, support growth initiatives, finance equipment or fund working capital without relying only on new equity.

What are ARR financing and MRR lines of credit?

ARR financing is a credit structure often used by companies with annual recurring revenue. An MRR revolving line of credit may provide borrowing availability tied to monthly recurring revenue and related company metrics.

What treasury solutions are available for venture-backed companies?

Treasury solutions may include ACH, wires, remote deposit capture, lockbox, business credit cards, bill pay, online banking, Positive Pay, ACH controls, reporting, liquidity management and sweep solutions.

Does Banc of California support both companies and investors?

Yes. Banc of California supports venture-backed companies through specialized Technology Banking and Life Sciences Banking, and supports investors and private fund managers through Fund Finance and treasury solutions.

How can venture-backed companies manage deposits and liquidity?

Companies can combine operating accounts, money market accounts and target balance sweep solutions to support daily liquidity, improve cash visibility and put excess balances to work where appropriate.

All accounts are subject to approval and applicable fees, terms and conditions. See banker for details. Banc of California is an equal opportunity lender. This is not a commitment to lend. All offers of credit are subject to credit approval.

1 Timing varies by transaction and is subject to due diligence, underwriting, credit approval, legal documentation, account onboarding and other applicable requirements.