Commercial Lending Products

Construction

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Auto and Equipment Loan


  • Used for purchasing vehicles or business equipment (e.g., trucks, machinery).
  • Typically secured by the asset being financed.
  • Fixed interest rates and monthly payments.
  • Useful for businesses looking to upgrade or expand operations.

Real Estate Secured Line of Credit


  • Revolving credit line secured by commercial real estate.
  • Flexible access to funds up to a set limit.
  • Interest paid only on the amount drawn.
  • Can be reused as the balance is repaid.
  • Ideal for managing cash flow or funding short-term projects.

Secured Line of Credit


  • Requires collateral (e.g., inventory, receivables, equipment).
  • Offers revolving access to funds.
  • Lower interest rates compared to unsecured credit.
  • Good for working capital needs and managing short-term cash flow.
  • Credit limit depends on the value of the pledged assets.

Real Estate Loan


  • Used to purchase, refinance, or develop commercial property.
  • Secured by the real estate itself.
  • Long-term financing with fixed or variable rates.
  • Often involves a detailed underwriting process.
  • Common for office buildings, retail spaces, or industrial property.

Unsecured Line of Credit


  • No collateral required.
  • Based on the creditworthiness of the business and/or owner.
  • Provides quick, flexible access to funds.
  • Ideal for short-term operational or emergency expenses.