|Lines of Credit||Primarily for working capital needs or temporary/seasonal cash flow for operating expenses; typically secured by a first security interest in all business assets; generally one-year term|
|Term/Installment Loans||To finance long-term working capital needs or the purchase of capital assets such as equipment or business vehicles; secured by a first security interest in the assets being purchased and/or a first lien on all business assets; generally up to a ten-year term|
|Real Estate Loans||Typical loans: purchase or refinance existing commercial use or multi-family buildings; construction loans for commercial, multi-family or other non-residential purposes; land development loans and secured by raw land; secured by first mortgage; construction and development loans granted up to 24 months and permanent financing granted up to twenty years|
|SBA Loans 7(a) and 504 Loan Programs||Real estate and working capital purpose loans provided by the Bank, with guarantee from or participation with the US Small Business Administration, to assist small businesses obtain financing that might otherwise not be available to them|
|Overdraft Line of Credit||Established to cover inadvertent overdrafts that might occur in the checking account|
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To learn more about our commercial loan products, please contact us at
William D. Young
Senior Vice President and
Chief Lending Officer
Commercial Banking Officer