Technology Banking

Banking built for technology companies ready to scale.

Technology Banking

Specialized banking for the way technology companies grow.

Technology companies scale through product velocity, recurring revenue, fundraising cycles and operational discipline. Banc of California’s Technology Banking team works with founders, CFOs, operators and finance teams to connect credit, deposits, payments and treasury solutions to the way your company grows.

Industry sectors we support.

Whether you are extending runway, financing equipment, preparing for acquisition opportunities or improving cash operations, our bankers can help structure solutions around your business model and growth stage.

Technology professionals working with software systems

Software and digital platforms

  • Recurring-Revenue Software
  • SaaS Businesses
  • Digital Platforms
  • Technology-Enabled Products
Artificial intelligence technology interface

Artificial intelligence companies

  • AI-Enabled Products
  • Data-Driven Services
  • Machine Learning Applications
  • Technology Infrastructure
Technology hardware and connected devices

Hardware and connected devices

  • Physical Technology Products
  • Connected Systems
  • Internet of Things
  • Operational Platforms
Digital commerce and internet business technology

Internet and commerce companies

  • Online Marketplaces
  • E-Commerce Platforms
  • Digital Transactions
  • Payment-Enabled Businesses
High-growth technology professionals collaborating

Other high-growth technology businesses

  • Emerging Technology
  • Disruptive Business Models
  • Technology Services
  • Rapidly Evolving Sectors

Financing

Flexible financing for technology growth.

Access credit solutions that can support working capital, equipment, acquisitions, letters of credit and other approved business needs.

Revolving lines of credit

Support working capital and cash flow needs with flexible revolving credit tailored to your business.

Equipment financing

Finance eligible equipment, including laboratory, manufacturing, diagnostic, medical device and operational equipment.

Term loans

Support approved business needs, including growth initiatives, milestone planning and commercialization, with a structured financing solution.

Acquisition lines of credit

Prepare for strategic acquisition opportunities with financing that can support approved transaction needs.

Letters of credit

Support approved business requirements, including contractual and leasing obligations, where a letter of credit is appropriate and approved.

Treasury & Deposits

Treasury and deposit solutions built for how technology companies move money.

As transaction volume grows, your banking platform should help money move efficiently while preserving control. Banc of California can help technology companies coordinate payments, receivables, deposits, liquidity and cash-management tools around daily operations and growth.

Payments and disbursements

Coordinate routine payments, vendor activity, card programs and domestic or international money movement.

  • Business credit cards and virtual cards
  • ACH, BancEdge payment processing and OnePay electronic bill pay
  • Domestic and foreign-currency wires
  • Debit cards and mobile wallet access

Collections and receivables

Improve the way incoming funds are collected and organized as customers, payment volume and operating complexity increase.

  • Remote deposit capture
  • ACH collections
  • Lockbox services
  • Zero balance account structures

Visibility and control

Give finance teams clearer oversight of account activity, approvals, expenses and cash movement.

  • Online banking and check imaging
  • Positive Pay
  • ACH blocking and filtering
  • SmartData expense reporting

Deposits and liquidity

Organize operating cash, surplus balances and liquidity needs as revenue, deposits and transaction volume grow.

  • Demand deposit and money market accounts
  • CDs and CDARS®
  • Automated sweep solutions, including investment sweeps and target balance sweeps
  • Multicurrency account options

How We Work

A relationship model built for your next stage of growth.

Technology companies move through product launches, funding cycles, recurring-revenue expansion and new operating demands. Our team works with you to align financing, deposits, payments, treasury and day-to-day service with your current priorities and next milestone.

01

Build and establish operations

Set up banking foundations that support operating cash, payments, deposits and the day-to-day needs of a growing technology business.

02

Scale revenue and finance growth

Coordinate financing, liquidity and treasury support as your company manages recurring revenue, working capital, equipment needs and expanding operations.

03

Expand, optimize and evolve

Align banking solutions with acquisitions, increasing transaction volume, evolving liquidity needs and the growing complexity of your finance organization.

Why Banc of California

Built for the realities of technology growth.

Build with a banking team that understands technology-company growth stages and helps connect financing, deposits, treasury and responsive day-to-day support around the way you operate.

  • Dedicated Technology Banking practice

    Work with bankers who understand the operating realities, financing needs and growth milestones of innovative technology companies.

  • Flexible financing and treasury support

    Align credit, deposits, payments, liquidity and treasury solutions with your business model, operating needs and next stage of growth.

  • Responsive decision-making and execution

    Move from conversation to coordinated next steps with a team built to support complex, high-growth banking needs.

  • Connected to the venture and technology ecosystem

    Benefit from a relationship team that understands the connected needs of founders, finance leaders, investors and private capital partners.

  • High-touch relationship and client service support

    Get ongoing guidance from relationship managers and client service teams as your banking needs evolve.

Business Insights

Insights for technology companies.

Practical guidance for leaders balancing capital, cash runway and spending control as their companies scale.

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 technology companies fund growth while minimizing equity dilution. Read article Illustration of startup leaders standing beside stacked coins and upward arrows Cash Runway How to Extend Your Startup’s Runway With the Right Bank Explore banking considerations that can help founders manage burn, preserve capital and prepare for growth. Read article Illustration of a virtual business card and payment control icons Spending Controls The Business Case for Virtual Credit Cards See how virtual cards can help finance teams improve spending controls, visibility and payment flexibility. Read article


CONNECT WITH A
TECHNOLOGY BANKER

Ready to discuss Technology Banking, venture debt, treasury or liquidity solutions? Connect with a Banc of California Technology Banker.

Frequently Asked Questions

Technology Banking FAQs

Learn more about how Technology Banking can support financing, treasury, liquidity and operating needs for growing companies.

What is Technology Banking?

Technology Banking is specialized banking for technology companies. It can include venture debt, deposits, treasury management, payments, liquidity solutions, controls and relationship support designed around the growth stages of technology companies.

Who does Banc of California Technology Banking serve?

Banc of California Technology Banking supports venture-backed and growth-stage technology companies across software, hardware, artificial intelligence, digital platforms, internet and other innovation-driven sectors. We work with founders, CFOs, finance leaders and operating teams throughout every stage of growth.

What is venture debt for technology companies?

Venture debt is financing that may help eligible technology companies extend runway, fund working capital, finance equipment, support acquisitions or execute growth initiatives.

What is ARR financing?

ARR financing is a credit structure often used by companies with annual recurring revenue. It may include a term loan, revolving line of credit or delayed draw structure, depending on company performance and credit approval.

What treasury solutions help technology companies scale?

Treasury solutions for technology companies may include ACH, domestic and foreign-currency wires, business and virtual credit cards, remote deposit capture, lockbox, payment processing, online banking, Positive Pay, ACH controls and reporting.

How can technology companies manage deposits and liquidity?

Technology companies can combine operating accounts, money market accounts, CDs, CDARS®, sweep solutions and multicurrency accounts to support liquidity, cash visibility and yield potential where appropriate.

Does Banc of California support AI companies?

Yes. Banc of California Technology Banking supports artificial intelligence companies as part of its broader focus on high-growth technology sectors, subject to business needs, product availability and approval requirements.

IntraFi, IntraFi Cash Service, ICS, and CDARS are registered trademarks of IntraFi LLC. 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.