Credit Solutions

For nearly 100 years, we’ve taken a personal approach to protecting your long-term interests. Consider our business bankers your own trusted advisors, dedicated to working with you to develop a straight-forward financing strategy that’s right for you. After all, we understand that our success depends on yours.

Business Lines of Credit

If you need to borrow funds to support cyclical or seasonal cash flow, Business Lines of Credit are often the right solution.

  • Business lines of credit require monthly payments only when you are using the line.
  • Combine a line of credit with our Business Sweep Accounts.  We can automatically transfer funds daily between an operating account and related line of credit to efficiently manage cash resources, providing maximum flexibility with higher earnings potential.
  • Sole proprietor? Ask us about using a home equity line of credit to fund a small business.

Business Term Loans

If your business needs to purchase equipment, make capital improvements, or finance future expansion, Business Term Loans are the ideal solution.

  • Business Term Loans typically have terms of 1-7 years.
  • We tailor the loan to fit your cash flow.
remodel

Owner-Occupied Real Estate Financing

Commercial real estate loans help business owners finance the purchase of new or existing real estate holdings. And whether you need to build from scratch or remodel, we've got the construction financing experience you're looking for.

  • For owner-occupied commercial properties.
  • Available for purchase, refinance, construction and remodel.
  • Fully amortizing and balloon payment options are available.
  • Maximum loan-to-value of 75%
storefronts

Acquisition Financing

Business acquisition financing will be customized based on the needs and financial characteristics of your company.

  • No two acquisition deals are ever the same. Rely on the experience of our Business Bankers.
  • We'll work with you to determine the best balance of equity and debt for financing your acquisition needs.
  • You'll receive top-level attention from our leadership team. We're accessible, local and hands-on.

Business and Corporate Credit Cards

Manage your credit easily and efficiently with a business or corporate credit card.

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

• Award-winning expense management tools

• Free employee cards

• EMV smart chip technology for added security

• Mobile purchasing for added convenience

Visa/MasterCard ® Business Bonus Rewards Card

card-bonus
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back1 after your first purchase. More Rewards Information

Visa/MasterCard ® Business Bonus Rewards PLUS Card

card-bonus-plus
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back1 after your first purchase – all with a low annual fee. More Rewards Information
 

 1Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

We understand your needs.

Our local business bankers have the knowledge and experience to help you make practical financial decisions. From checking accounts to lines of credit, wire transfers to online banking, we’ll work with you to recommend innovative products and services to fit your unique business.