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Business Financing

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Narrow your choices to find the right financing

I want my money:
I plan to use it for:
I can offer as collateral:

All products shown

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ProductsCredit amountWhat’s it forFeatures
Business line of
credit

 
$25,000-
$1 million
On-demand working capital, payroll funds, improved cash flow, inventory, materials and financing of accounts receivable
  • Get money as you need it
  • Variable monthly payments with revolving terms
  • Fast, easy access to money via phone or bank transfer
Real estate loan
 
$25,000-
$2 million
Commercial real estate
  • Secured by the real estate you purchase or own
  • Fixed monthly payments with terms up to 15 years (fully amortized) or 10-year balloon (up to 25-year amortization)
  • Finance up to 80% of appraised value
Light vehicle loan
 
$25,000-
$2 million
Automobiles, vans or light trucks
  • Secured by the vehicle you purchase
  • Fixed monthly payments for new vehicles
  • Finance up to 80% of the purchase price
Commercial vehicle loan
 
$25,000-
$2 million
Commercial-purpose vehicles
  • Secured by the vehicle you purchase
  • Fixed monthly payments with terms up to 60 months for new vehicles
  • Finance up to 80% of the purchase price
Equipment loan
 
$25,000-
$2 million
General-purpose equipment
  • Secured by the equipment you purchase
  • Fixed monthly payments with terms up to 60
    months for new equipment
  • Finance up to 80% of the purchase price
Business term loan
 
$25,000-
$2 million
Lump-sum working capital, improved cash flow,
debt refinancing, inventory and materials
  • Secured by general business assets
  • Fixed monthly payments with terms up to 5 years
  • Finance up to 80% of the purchase price; up to 100% when secured by certificate of deposit (CD)
Equipment lease purchase
 
$25,000-
$2 million
General-purpose equipment
  • At the end of the lease, you will own the equipment for $1
  • Fixed monthly payments with terms up to 5 years
  • Finance up to 100% of the purchase price plus some soft costs
Vehicle lease purchase
 
$25,000-
$2 million
Commercial-purpose vehicles
  • At the end of the lease, you will own the equipment for $1
  • Fixed monthly payments with terms up to 5 years
  • Finance up to 100% of the purchase price plus some soft costs
Equipment line of credit
 
$50,000-
$1 million
Equipment or commercial-purpose vehicles
  • Allows for multiple acquisitions for up to 12 months—each acquisition is handled as a separate lease
  • Lease type can vary for each acquisition
  • Up to 100% financing of the purchase price plus some soft costs
True tax lease
 
$25,000-
$2 million
General-purpose equipment
  • At the end of the lease, you can rent, return or purchase the equipment, or renew the lease
  • Fixed monthly payments with terms up to 5 years
  • Finance up to 100% of the purchase price plus some soft costs
TRAC lease
 
$25,000-
$2 million
Commercial-purpose vehicles
  • At the end of the lease, vehicle may be purchased for predetermined amount
  • Fixed monthly payments with terms up to 5 years
  • Finance up to 100% of the purchase price plus some soft costs
Business credit card
 
flexibleDay-to-day business expenses, inventory and materials, financing of accounts receivables.
  • Get money as you need it
  • Variable monthly payments with revolving terms
  • Flexible account management resources

Can't find what you need?

If you're a health care professional, an attorney, a CPA or an insurance agent, you'll want to visit the small business practice loans section of our website. Farmers and agribusiness professionals should visit our agricultural loans page. If you're a large institution or corporation seeking financing greater than $2 million or custom payment options, we want to help: Please call one of our small business financing specialists to discuss your credit needs.

Credit amount

Minimum and maximum amounts for each type of financing may vary based on your specific business situation and applicable state laws.

Soft costs

Soft costs are costs associated with the purchase of an item that are not part of the item price. For example, taxes, freight charges and delivery fees are soft costs.

Business assets

General business assets can be used to secure some loans. These include inventory, accounts receivable, furniture, fixtures or cash (via a certificate of deposit with Bank of America).

Equipment types

We finance a wide variety of equipment, for example:

  • Light-industrial equipment such as packing machines and office equipment
  • Heavy-industrial equipment such as conveyor belts, printing presses and stationary machinery
  • Commercial vehicles (typically greater than 2.5 tons) such as heavy trucks and trailers

This is by no means a comprehensive list. Request a callback to talk to us about the specific needs of your business.