Credit Solutions

For more than 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

Earn valuable rewards.​1

Visa Business Real Rewards Card

card-bonus
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).2 Plus, earn 2,500 bonus rewards points after your first purchase.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.1 More Rewards Information

Visa Business Rewards PLUS Card

card-bonus-plus
Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline.4 Earn 1.5 points monthly for every $1 you spend on eligible net purchases. Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months. 3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards. 1 More Rewards Information
 

 1The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

 2Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

 3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

 4Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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.