Business Loans

Commercial Real Estate Loans
Looking to build a new facility, purchase or refinance an existing building? We can tailor a loan to fit your needs.

Construction Loans
We can provide financing for construction, as well as conversion to permanent financing if desired.

Business Expansion
Whether your plans call for short-term working capital or long-term financing, we can structure financing to meet your needs.

Equipment
Need to replace or purchase additional fixed assets? A term loan can provide the funds needed to complete your purchase.

Letters of Credit
We offer Commercial Letters of Credit for the purchase of goods or services, as well as Stand-By Letters of Credit that guarantee specific performance or payments.

Working Capital
A revolving line of credit can assist in meeting your short-term cash flow needs.

SBA Loans

SBA guaranteed loans offer small business owners financing on more favorable terms for a variety of business purposes. Lower down payments and longer repayment terms mean more of the working capital is retained so it can generate additional profits for your business. There are three loan programs that offer distinctive advantages, depending on your business needs:

SBA 7(a) Program - Offers flexible term financing for virtually any business purpose with variable rates, long-term repayment (up to 25 years), and higher leverage for qualified business owners. This is an excellent choice for buying or building real property, acquiring a business enterprise, or buying equipment for your business. Maximum loan amount is $2,000,000.

SBA 504 Program - Offers long-term financing solutions specifically aimed at acquiring capital assets for business expansion. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. Some additional restrictions required related to job creation. Maximum loan amount is $6,000,000.

SBA Express Program - Offers a flexible line of credit financing, with term loan payout (up to 7 years) for business working capital or smaller business credit needs. Maximum loan amount is $350,000.