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Commercial Loans and Lines

Click on the link below for more information on our loan products.

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Installment Loans

We offer a variety of fixed rate and variable rate loans which could be used for the purchase or refinance of vehicles, equipment or other business assets. Typically, the term will have a maturity of up to five years and collateral could range from company assets as well as personal assets such stocks and bonds, equity in personal residence, etc.

Business Mortgage Loans

We offer a variety of fixed rate and variable rate business mortgage loans to buy or refinance commercial/business real estate. Typically, the term will have up to five-year maturity with payments based on a fifteen to twenty year amortization and is secured by a first deed of trust on the real estate. Also, we offer construction loans for those businesses looking to expand or relocate.

Lines of Credit

We offer a variable rate line of credit for the business that needs a flexible and convenient way to manage its cash. It will be a revolving line and the business will pay no interest until the line is used. Payments are interest only with movement of principal balances (up & down) during the year. Typically, the Line is revolving and has a maturity of one-year. Collateral may be either real estate or business liquid assets such as Accounts Receivable and Inventory.

Small Business Administration Loans

All loan products that the SBA programs offer are available. These programs offer extended repayment terms and a wide variety of payment and interest rate options.

Agricultural Loans

We offer loans to farmers and nursery owners for the purpose of purchasing land, equipment livestock, and farming or nursery operations.

 

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