Commercial Loans

Whether you're starting up a new business endeavor, building a new location, expanding your product line or simply trying to consolidate debt, our commercial loan officers can customize a loan to fit your specific business needs.

• Start-Up Loans
• Expansion Loans
• Real Estate Acquisition Loans
• Operating Expense Loans
• Debt Consolidation Loans
• Seasonal Lines of Credit
• Machinery / Equipment Loans
• Inventory Loans
• We offer both short and long term business loans with flexible re-payment terms.

SBA Loans

If you're thinking about starting a new business or expanding your existing business, we can assist you with participation in special loan programs offered by the Small Business Administration. While starting a business can be complicated, we're dedicated to supporting small business growth in our community and are committed to seeing your dream become a reality.

. Compared to conventional business financing, SBA loans can offer easier qualification, lower down-payments and more affordable monthly payments.
. An SBA Loan may be an option to consider if you're starting or buying a new business or are unable to secure conventional financing.
. SBA Loans are backed by the US Small Business Administration, an independent Agency of the Executive Federal Government.

Business Manager

Could improved cash flow help your business? We'll help you open the door to better cash flow through a program called Business Manager.

. A complete system that allows you to get cash for your receivables on a daily basis by selling them to the bank at a discount.
. Effectively puts your business on an all-cash basis, enabling you to:

• Take early payment discounts from supplier
• Take advantage of quantity buying discounts
• Pursue new business opportunities
• Increase sales
• Make payroll
• Re-direct staff time
• Offer convenient payment terms to your customers
• Reduce lines of credit eliminate debt

. Saves you time and money traditionally spent on receivables management and gives you more time to focus on building your business.

. Is Business Manager a fit for your business? The best way to find out is to talk briefly with one of our Business Manager specialists. Within just a few minutes, you'll know if the program is right for your business.