The company operates through its subsidiaries, California First National Bank and California First Leasing Corp, with the former participating in the syndicated commercial loan market and offering business loans to fund the purchase of assets leased by third parties, while the latter specializes in capital asset financing for businesses, universities, and government entities through several specialized business units. All banking and other operations are conducted from one central location, and the company prides itself on combining financial expertise with a strategic technology advantage to offer premium customer service.