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  • Flexible Rate and Term Options
  • Quick turnaround time
  • Available for expansion / refinancing / purchases

TERM LOANS

  • Perfect for equipment and vehicle purchases
  • Flexible terms available

COMMERCIAL REAL ESTATE

  • Owner occupied and investment properties
  • Office buildings, mixed use properties, rental properties, apartment complexes, industrial properties, and land development
  • Up to 80% Loan to Value

CONSTRUCTION LOANS

  • Construction of a new facility
  • Ideal for expanding existing space

LINES OF CREDIT

  • Provides liquidity when you need it
  • Pay interest only on outstanding balance
  • Can be used for inventory and accounts receivable funding
  • Flexibility for purchase opportunities Letters of Credit

LETTERS OF CREDIT

  • Cost effective alternative to bonding

LEASING

  • Operating and Capital Leases
  • Flexible Payment Options
  • Vendor and Dealer Programs
  • Lease Lines of Credit
  • Syndications – expand credit limit without affecting your borrowing

SMALL BUSINESS PROGRAMS

Small Business Administration: SBA 504

  • Real estate and equipment purchase
  • Limited borrower cash required
  • Long term fixed rates

Small Business Administration: SBA 7A

  • Ideal for start up and rapidly growing companies
  • Expanded terms and conditions

Various state and local programs available

MUNICIPAL LENDING

  • Flexible municipal financing options with a variety of terms
  • Essential Purpose Projects
  • Renovations, Expansions, Equipment Purchases
  • Water and Sewer Financing
  • Tax Anticipation Notes

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