CapitalSource
CapitalSource (operating as Banc of California) is an FDIC-insured regional bank offering commercial loans, deposits, treasury management, payment processing (BancEdge), and venture banking to small businesses, middle-market companies, and startups primarily across California.
- Company typePublic
- Founded2000
- HeadquartersLos Angeles, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
What CapitalSource does
CapitalSource is a commercial bank operating under the Banc of California brand, providing commercial loans and depository products to small and medium-sized businesses, middle market companies, and individuals. Founded in 2000 and FDIC-insured, the bank operates a California-centric footprint with national reach through specialized services. The legal entity is structured as a public company (previously NYSE:CSE under the CapitalSource name), though detailed product and operational data describe the post-merger Banc of California entity. Headquarters is listed in Los Angeles with a principal office in Santa Ana, California.
The bank delivers a multi-product platform spanning traditional commercial banking (business checking and deposits, small business lending, middle market and commercial banking) and specialized verticals including commercial real estate (acquisition, construction, multifamily, warehouse lending), asset-based lending, corporate asset finance, lender finance, affordable housing financing, venture banking (technology, life sciences, fund finance), and Build@Banc for early-stage startups. Payments and commerce services are delivered through the BancEdge sub-brand (payment processing, merchant portal, gateway, business credit card). The underlying technology stack is a digital banking platform supporting online and mobile banking, with specialized portals for treasury management, asset management, and asset-based lending, integrated with third-party technology providers including Clearwater Analytics and Cync Software.
Revenue is generated through three streams: interest income from the diversified lending portfolio, fee-based income from deposit accounts, credit card programs, payment processing (BancEdge), and treasury management, and specialty deposit products (including 1031 exchange deposits). Pricing is quote-based and not publicly disclosed, with services delivered through branch locations, online and mobile banking, dedicated industry-focused relationship managers, and specialty service portals. Customer segments span size tiers (small business, middle market, commercial) and industry verticals (attorneys, commercial aviation, healthcare, media & entertainment, government, insurance, community associations, veterinary, franchisees).
CapitalSource firmographics
Firmographics- Name
- CapitalSource
- Legal name
- Banc of California
- Website
- https://capitalsourcebank.com
- Company type
- Public
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- CapitalSource (operating as Banc of California) is an FDIC-insured regional bank offering commercial loans, deposits, treasury management, payment processing (BancEdge), and venture banking to small businesses, middle-market companies, and startups primarily across California.
- Ownership category
- akta.pro rank
CapitalSource industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where CapitalSource is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CapitalSource business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Traditional lending revenue from business loans, commercial real estate financing, construction lending, multifamily financing, and consumer loans. The bank offers asset-based lending, corporate asset finance, small business lending, affordable housing financing, and warehouse lending.
- Fee-Based Income: Revenue from deposit account fees, credit card programs, payment processing fees (BancEdge merchant services), and treasury management service fees.
- Specialty Deposit Products: Revenue from specialty deposit products including 1031 exchange deposits and master deposit accounts for complex financial needs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Business banking solutions for businesses at every stage of growth |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
CapitalSource product offering
Product offeringCore offering
CapitalSource bank offers commercial loans and depository products and services to small and middle-market businesses, with additional venture banking, commercial real estate financing, asset-based lending, treasury management, and payment processing (BancEdge) offerings. Through the integrated Banc of California franchise, it also delivers consumer deposit products, business credit cards, and industry-specialized banking relationships across California.
Product overview
CapitalSource operates a comprehensive banking platform offering both business and personal banking solutions. The product portfolio includes specialized platforms such as Global Treasury Management (with payables, receivables, information services, international banking, liquidity, and fraud prevention modules), Venture Banking (covering technology, life sciences, and fund finance), and Commercial Real Estate Banking. Core products include BancEdge Payment Processing and BancEdge Business Credit Card for payment solutions, along with Build@Banc for early-stage startup banking. The company serves diverse industries including attorneys, bankruptcy professionals, commercial aviation, community associations, CPAs, franchisees, government, healthcare, insurance, media & entertainment, nonprofits, professional fiduciaries, and veterinary practices.
Differentiator
Problem solved
Functional benefit
Brands
- BancEdge: Payment processing solution for accepting payments online, in person, or on the go.
- Build@Banc
Products and services
- BancEdge Payment Processing Payment processing solution that enables businesses to accept payments seamlessly online, in person, or on the go.
- BancEdge Business Credit Card Business credit card offering smarter spending with cash back rewards and spending control features.
- Build@Banc Early-Stage Banking Early-stage banking solution designed to support startups from seed to scale.
- Global Treasury Management Comprehensive treasury management platform providing payables, receivables, information services, international banking, liquidity solutions, and fraud prevention tools.
- Venture Banking Tailored banking solutions for venture-backed companies and innovation-focused businesses, including technology banking, life sciences banking, and fund finance for VC and PE funds.
- Commercial Real Estate Banking Banking platform offering tailored lending solutions for commercial property acquisition, construction, multifamily financing, and warehouse lending.
- Asset-Based Lending Lending solution that unlocks working capital using business assets as collateral, accessed through the Cync Software-powered ABL portal.
- Business Banking Solutions Banking solutions for businesses at every stage of growth, including small business, middle market, and commercial banking with business checking, deposit accounts, and business lending.
Companies that use CapitalSource
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles5 records
CapitalSource technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CapitalSource partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
CapitalSource competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights4 records
Customer concentration
CapitalSource social profiles
Digital presenceCapitalSource compliance and trust
Trust signalCompliance1 record
CapitalSource financial estimates
Financial estimateRevenue estimate
Valuation estimate
CapitalSource leadership team
Management profileNumber of profiles
Profiles3 records
CapitalSource funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CapitalSource M&A and investment
M&A and investmentM&A1 record
Investments8 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CapitalSource
What does CapitalSource do?
CapitalSource bank offers commercial loans and depository products and services to small and middle-market businesses, with additional venture banking, commercial real estate financing, asset-based lending, treasury management, and payment processing (BancEdge) offerings. Through the integrated Banc of California franchise, it also delivers consumer deposit products, business credit cards, and industry-specialized banking relationships across California.
Is CapitalSource a public or private company?
CapitalSource is a public company. It is classified as corporate owned and is currently operating.
When was CapitalSource founded?
CapitalSource was founded in 2000. It employs 501 to 1,000 people.
Where is CapitalSource based?
CapitalSource is headquartered in Los Angeles, United States, in the North America region.
How does CapitalSource make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee-Based Income and specialty Deposit Products.
Does CapitalSource have an API?
No public API is recorded for CapitalSource.
What industry is CapitalSource in?
CapitalSource's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 522110 and its SIC code is 6022.