Business Loans & Credit
Access working capital when you need it
Owning and running a small business is a labor of love.
We’re here to help.
Small Business Lines of Credit
A line of credit is ideal for recurring or seasonal cash flow needs.
- Secured and unsecured options available
- Fast, easy access to funds via Digital Banking
Visa Platinum Credit Cards for Business
Our Visa Credit Card is a smart way for businesses to streamline day-to-day purchases. It’s a convenient way to handle vendor payments, employee expenses, purchases and more – without needing to manage checks, petty cash or reimbursements. Built-in card controls and online reporting allow businesses to control, track and reconcile purchases quickly and easily.
- No annual fee
- Limits from $1,000 to $50,000
- Employee company cards with usage limits
- 24/7 account access through Digital Banking
Small Business Term, Vehicle & Equipment Loans
You need the tools of the trade to compete. Maybe you need an office full of new furniture. Maybe you need to replace some equipment.
- Low fixed- and variable-rate options
- No prepayment penalty
- Options for new or used equipment
- Flexible terms to fit your needs
Small Business Administration 504 Loans
SBA 504 loans are backed by the government and designed to provide long-term, fixed-rate financing for major fixed assets, such as buildings and equipment.
- Loan amounts up to $5 million
- Down payment as low as 10%
- Terms up to 20 years on Real Estate and up to 10 years on machinery or equipment
- Interest rate dependent on size, term and use of proceeds
- Cannot be used for working capital, inventory, consolidating debit or repaying debt
To qualify for an SBA 504 loan, your business must meet these minimum requirements:
- Credit score minimum of 680
- In business three or more years and profitable
- Business net worth less than $15 million
- Ability to repay the loan on time from the projected operating cash flow
- Building must be at least 50% owner-occupied
Commercial Real Estate Loans
Flexible financing options for the purchase or refinance of commercial real estate.
- Loan amounts up to $10 million
- Fixed- and variable-rate options
- Flexible terms from 3 to 15 years
- No prepayment penalty
Eligible properties include light industrial, warehouse, multi-family, residential, mixed-use, retail, office and special purpose.
