Business Lending

• Local Lenders…Local Decisions! We are here to work with you and tailor loans to meet your specific business lending needs. For more information on SBA programs visit: www.sba.gov.

Term Loans

Term Loans allow you to finance fixed asset purchases, such as equipment, fixtures, and vehicles or permanent working capital for business acquisition or expansion. We offer competitive rates with flexible terms.

Time Notes

Time Notes are single payment, short-term loans where the total principal is due at a fixed maturity date, usually a year or less. Time notes are great for inventories, receivables, or specific projects.

Lines of Credit

Lines provide immediate short-term funds to help meet seasonal commitments or carry operations during a cyclical low point. They help during cash conversion cycles. They have a maximum period of a year, and may be subject to annual review and 30 consecutive-day pay down period.

Commercial Mortgages

Purchase or refinance commercial property, renovate your facilities, or refinance and save. Our low interest rates help you execute your business strategy without sacrificing your bottom line.

SBA Lending

SBA/Rural Development Guaranteed Loans are available to businesses that do not qualify for credit under conventional underwriting standards. The loans are guaranteed by a government agency and provide working capital to buy equipment or improve properties (buy, build or renovate facilities).  For more information on SBA programs visit: www.sba.gov.

Business Credit Card

We offer business credit cards for small businesses as well as options for larger businesses with multiple users.