Loan Products

Commercial Loans

Short-term Unsecured Loans (time notes - up to 90 days) - designed to allow companies to meet short-term cash needs or in anticipation of receiving funds from the sale of an asset or other source. Click here to visit the Small Business Administration Web site www.sba.gov.

Term Loans - maturity of longer than one year but not to exceed ten years, with regular payments to principal plus interest. Purpose of the loan may be for permanent working capital, the purchase of machinery and equipment, to finance the acquisition of another property, or to refinance other long-term debt.

Lines of Credit - A pre-approved amount of credit accessed by advances which may be credited to a demand deposit account, wired to another institution, or issued by cashiers check. The lines are renewable annually upon receipt of financial information.

Stand-by Letters of Credit - An instrument which guarantees either a money obligation or performance of a contract and is payable by a letter from the beneficiary advising of default or non-performance by our customer.

SBA Guaranteed Loans - Loans supported by the Small Business Administration which meet certain eligibility requirements and may permit a higher ratio of loan-to-collateral value.

Commercial Mortgages - 1st mortgage loans for the purchase or refinance of commercial properties.

Construction Mortgages - For construction of a commercial building on real estate owned by the borrower, these loans are made in conjunction with approval for permanent financing upon completion of the construction.

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