Small Business Lending

Flexible Financing Solutions for Small Businesses*

We understand that obtaining financing for your business can make all the difference. Our dedicated Small Business Lending Division is comprised of experienced lenders who have spent their careers specializing in financing options, deposit options, and cash management options designed to help small businesses and entrepreneurs. Our Small Business lenders serve as consultative financial partners who will work with you to tailor solutions to your credit and banking needs allowing you to pursue your goals and grow your company. We offer a wide range of financing options including:

The purchase, refinance or renovation of commercial real estate.
The purchase of machinery, equipment or other physical assets.
Leasehold improvements / tenant fit-outs.
Revolving working capital lines of credit.
Revolving asset based lines of credit.
Business acquisitions or business expansions.
Permanent working capital needs.

Small Business Administration (SBA) 7(a) Financing*

We are proud to be an active SBA Preferred Lender. Our Small Business lenders will guide you through eligibility requirements and program requirements to help you determine if SBA financing is right for your business.

Some of the benefits of SBA financing are:

Lower down payments / equity requirements.
Availability of longer repayment terms.
Amortizing debt with no balloon payments.
No prepayment penalties for loans with terms less than 15 years.

SBA financing can be utilized for most business financing needs including:

Business acquisitions or business expansion.
Business start-ups.
The purchase, refinance or renovation of owner-occupied commercial real estate.
Leasehold improvements / tenant fit-outs.
The purchase of machinery, equipment, furniture or fixtures.
Permanent working capital.
Revolving lines of credit for on-going working capital needs.

Small Business Administration 504 Loan Program*

By partnering with local Certified Development Companies (CDCs) we are able to offer the SBA 504 loan program as a financing solution to meet your fixed asset needs. By leveraging traditional bank financing with SBA guaranteed funds, the 504 loan program can provide you with a low down payment, long term, fixed rate (on the SBA loan funds) loan to allow your business to grow. 504 loans can be utilized for the purchase of machinery, equipment, land, and buildings; improvements to existing properties including energy efficient upgrades; the construction of new buildings; or the refinance of real estate related debt.

*Nothing presented herein is intended to or is to be construed as a commitment lend. Financing is subject to full financial disclosure, underwriting, and loan program requirements