Your Business Loans.

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Mortgage Loans	Visa Business Card	Line of Credit
Equipment Loans	Boat Loans	Construction Loans
Letters of Credit

Mortgage Loans

Mortgage Loans are used to purchase, refinance, renovate, access equity or complete construction of commercial real estate. We offer competitive interest rates with a variety of terms to meet your business needs.

• Quick loan decisions
• Up to 20 year term
• Equity can be used as down-payment for other purchases
• Automatic payments available 

Visa Business Card

We have partnered with Elan Financial Services, one of the largest and most experienced credit card issuers in the nation, to provide a superior business card product that will meet the needs of your business whether large or small.

• Accepted Worldwide
• Multiple personalized cards with individual credit limits
• Combined statements
• Free year-end reports
• 24-hour cardmember services 1-866-552-8855
• Car Rental Discounts
• Travel Insurance 

Line of Credit

This is a revolving loan product which allows you to draw up to a predetermined limit and pay down when it is convenient.  A line of credit helps you meet your short term or seasonal cash flow needs, giving you the flexibility to respond when business opportunities develop.

• Monthly interest only payments
• Advances deposited directly into operating account
• Accessed by telephone call
• Provides working capital when needed most

Equipment Loans

For the purchase of new or used equipment.  It is used primarily for replacing or upgrading equipment in order to increase efficiencies, or use it to expand equipment to meet growing technology needs.

• Competitive rates & terms
• Competitive downpayment requirements
• Skip payments available
• No prepayment penalties 

Boat Loans

Used to purchase, refinance, access equity, or build a commercial use boat. With our boat loans, certain paperwork such as ships' mortgages and Canadian exchanges are handled by the bank.
Competitive interest rates

• Terms of 10 years on new boats or 7 years on used boats.
• Existing boat may be used in lieu of a downpayment if purchasing or building a new boat
• Skip payments available
• Life and disability insurance available 

Construction Loan

Construction Loans can be used for renovating, expansion, making repairs or to provide new facilities for commercial property.  When your construction is complete, this loan may be converted to permanent financing through modification giving you the flexibility you may need.

• Competitive interest rates
• Monthly payment is interest only based on outstanding balance
• Advances made directly to contractor
• If request meets requirements, may be used for full cost of project 

Letters of Credit

A Letter of Credit is a guarantee of payment where the bank promises to pay a third party if requested or required. The banks backing allows you to transact business with a third party requiring a guarantee of payment.

• Can be used for bonding purposes
• Costs less than some insurance bonds
• Is normally irrevocable for the term
• No interest paid if not used
• Can be used for construction projects or snow plow contracts