Loans & Lines of Credit

Commercial Real Estate Loans

• Purchase, improvements and expansion of business facilities
• Owner-occupied real estate
• Income production investment real estate
• Commercial Office space and/or multi-use space
• Shopping Center Development
• Apartment Complex
• Warehouses
• Raw Land purchase

Commercial Construction/ Acquisition and Development (A&D) Loans

• Developing single-family and multi-family properties
• Subdivision Development
• Land Acquisition

Term Loans

• Real Estate
• Term working capital loan
• Vehicle and equipment financing
• Leasehold improvements

Lines of Credit

• Available liquidity for business working capital! cash flow needs
• Revolving
• Short term or seasonal needs
• Unplanned expenses or business emergencies
• Can be attached to Business Checking account for overdraft protection

Letters of Credit

• A "guarantee of payment" to beneficiary
• Real Estate-sometimes required by County, City or State during development phase
• Purchase of specialized goods

Small Business Administration Loans (SBA)

• 504 Certified Development Company Loan Program
  • long term, fixed rate financing for a fixed asset
  • Debenture Loans
• 7(A) Loan Guaranty Program
  • the most widely known SBA loan

Merchant Services-Credit Card Processing