COMMERCIAL LOANS AND LINES
Click on the link below for more information on our loan products.
| - Installment Loans - Business Mortgage Loans - Lines of Credit - Small Business Administration Loans - Agriculture Loans |
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Commercial
Loan
Financial
Statement
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.