Business Loans

Commercial Real Estate Loans
Good loans are never hard to get. In this day and age, we are here to make high quality commercial loans to qualified borrowers. It can be owner user, investment, retail, office, light manufacturing. Loan to values vary as do debt service requirements. One thing for sure, our loan process does not come in a box.  We will sit down with your understand your side and then see how best we can meet your needs while maintaining internal requirements.  Call us to see what programs might fit you best.

• Purchase or Refinance
• Up to 75% loan to value
• Fixed and floating available
• Up to a 10 year term
• Up to a 25 year amortization

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Domestic and International Letters of Credit
If you are a business with international activity, do not worry about a local community bank meeting all your needs. We have long term active relationships with large correspondent banks to assist us in this area. The fees are competitive and we are not concerned with huge markups to justify our existence. We get it done at the most efficient and cost effective levels we can. That’s what real partners do. Call us to discuss your needs and compare to the others. We actually still answer our phones in the branches. Feel the difference and help us help you achieve your goals with a more personal touch.

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Equity Lines of Credit
Our Equity Lines of Credit are customer fitted to your needs. If you need money for education, repairs, remodel even a weeding, this may be the way to go. We will work with you to meet your goals at the same time keep the cost down.

• Floating rates
• Competitive Loan to Value terms
• Flexibility on use of funds
• Flips to amortizing loan in 5 years

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Construction Loans
Looking to build a dream house, commercial center or even just a barn, we have the product for you. Each loan is as custom as the project you are building.  We can build a loan that works in almost every instance.

• Up to 75% loan to value
• Up to an 18 month term
• Interest Only
• Fees and interest can be financed
• Can convert to a term loan with no additional fees

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