Lending Solutions

Commercial Lines of Credit

In business, long-term success can come down to short-term flexibility, especially when it comes to cash flow.

A line of credit can provide the short-term working capital you need to stay on course.

What is a line of credit? How does a business line of credit work? Good questions. Think of a line of credit (or LOC) as an emergency fund.

Instead of paying interest on a lump sum of money borrowed, with a line of credit you only pay interest on the portion of money you withdraw from your line of credit. This allows you to borrow and repay based on the cycles and needs of your business.

Commercial Real Estate

Planning to acquire, remodel or refinance? Turn to a local bank with flexible options.

When it comes to commercial real estate loans, we offer flexibility in two ways:

Flexible use: Our commercial real estate loans can be used for the purchase of commercial facilities, improvement of existing space, or for refinancing an existing loan.
Flexible rates: We provide competitive adjustable rates with up to a 30-year amortization and a 10-year maturity.

Commercial Term Loans

Considered the standard business loan, a term loan is a go-to financing tool for many business owners.

Finance your long-term assets at attractive rates and terms.

If you are looking to purchase equipment or vehicles, expand your facility, or acquire another business, then a term loan may be what you need.

Your local banker will work with you to set up a loan with the right terms and repayment schedule to take your business to the next level.

Government-Backed Loans

Small business doesn't mean small vision. So how can we help your business grow?

Our government-guaranteed loans can be custom-fit to a number of business needs.

SBA - 504 and 7a

What is an SBA loan? It's a loan backed by the Small Business Administration, and it can be used by small and larger businesses alike to:

Purchase or refinance real estate
Acquire a new business
Help an existing business grow to the next level

Typically, SBA loans require a smaller down payment and offer longer terms. Whether you are a new or existing company, we will work with you to provide the financing that is best suited to your needs.

Other Government Guaranteed Loans

We also offer the following government-backed business loans:

BIA - Bureau of Indian Affairs
USDA - US Department of Agriculture

Industry Specific Lending

We know financing isn't a one-size-fits-all, so we offer industry-specific loan solutions designed for your business.

Industries we serve:

Healthcare
Non-Profit
Title & Escrow
Attorney & Law Firms
Professional Practice
Property Management

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back, or flexible rewards.

No matter which card you choose, your business will benefit from important features like:
• Free online expense reporting tools.
• No fee for additional employee cards.
• Mobile payment capability for added convenience.
• Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
• Cardmember Service available 24 hours a day/365 days per year.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

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Lending Solutions

Commercial Lending Options