Our business bankers not only understand the special needs of business owners...we’re also aware of the needs of the communities we serve.

We understand that careful listening to understand exactly what you need — both now and in the future — is the best way to make sure we can tailor exactly the right financial products and services to your business.

Commercial Loans

Whether you need working capital, financing, letters of credit, real estate financing, or revolving credit lines, our business experts can tailor a lending program to your exact business needs. And our close working relationship with the Small Business Administration gives you access to SBA loan options:

1. SBA 7(a) Loan
   The most flexible of the SBA loans can be used for any business purpose:
• Working capital/inventory
• Acquisitions
• Franchise financing
• Equipment financing
• Commercial real estate purchase, construction and renovation
Benefits:
• Up to 90% financing for real estate purchases
• Longer repayment terms
• No balloon payment
• Up to $2 million in loan amount
2. SBA 504 Loan
   Best for growing businesses that need large loan financing, flexible terms, and lower monthly payments:
• Commercial real estate purchase, construction and renovation
• Equipment financing
Benefits:
• Up to 90% financing
• Repayment terms up to 20 years for real estate and 10 years for equipment
• Low blended rate

How to apply for a commercial loan.
Simply bring the following information to our initial meeting and we’ll provide a timely response:

1. Three (3) years of business tax returns or financial statements
2. Interim balance sheets and business income statements
3. Current personal financial statements and two (2) years of personal tax returns
4. Business entity legal documentation

We offer your business a wide range of services including Business Checking, Online Banking, VISA® Business Debit Card and Credit Card, Retirement Plans, Remote Deposit, Merchant Card Services, Personal Loans for business officers, and much more.