Key differences
- Regions: HSBC Innovation Banking covers US, UK; Banc of California covers US.
Side by side
| HSBC Innovation Banking | Banc of California | |
|---|---|---|
| Product | Venture banking | Venture banking (formerly PacWest) |
| Funding type | Venture banks | Venture banks |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 6 weeks | About 6 weeks |
| Typical size | About 25% of your last equity round | About 25% of your last equity round |
| Term | 12–48 months | 12–48 months |
| Requirements | Institutional VC backing | Institutional VC backing |
| Regions | US · UK | US |
| What they underwrite | Your company & investors | Your company & investors |
| Collateral | All company assets | All company assets |
| How you repay | Interest-only then amortize | Interest-only then amortize |
| Dilution | Small (warrants) | Small (warrants) |
HSBC Innovation Banking
Formerly SVB UK; venture debt and lines for VC-backed companies.
Banc of California
Venture banking group from the PacWest merger.
HSBC Innovation Banking vs Banc of California FAQ
What is the difference between HSBC Innovation Banking and Banc of California?
Regions: HSBC Innovation Banking covers US, UK; Banc of California covers US.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
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