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Commercial Loans

Commercial Loan Features

• Convenient maturity options:Terms up to 25 years on SBA real estate loans

• Terms of seven to 10 years for other types of SBA loans

• Competitive loan amounts of up to $2.5 million

•. All loans are evaluated on a case-by-case basis and subject to credit qualifications

• Collateral/assets must be pledged; a personal guarantee may be required

• Balloon and non-balloon payment options available

• Competitive interest rates - both fixed and variable

• Fixed-rate financing on short term loans

• Variable-rate financing on long term loans

• Variable interest rate may include flexibility to convert to a fixed rate

• Two types of loan payment options:

• Installment-based payments - the original loan amount is split into equal payments over the term of

   the loan

• Open-ended or revolving - payments can adjust monthly.

• Lower down payments with additional pledged collateral
• Loan fees vary with the size and term of the loan; bank fees are negotiable
• Loan interest may be tax-deductible (consult your tax advisor)
• Quick approval process - local loan officers and local credit decision-making!
• Click for more information on Loan Calculators

TO APPLY:

Please download our Individual Financial Statement.

Sign and return the completed form to one of our experienced loan officers at any of our six convenient locations. If you own more than three properties, please include them on the Real Estate Supplement.