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Business Advantage

Business Line of Credit and Loans for Working Capital

Business line of credit

Get cash whenever you need to bridge the gap between payables and receivables:

  • Credit lines starting at $10,000
  • Revolving credit line with monthly payments based on your balance
  • Fast, easy access to funds via phone or transfer using Online Banking
Secured business loans

Get a one-time lump sum for purchases or longer-term financing needs.

  • Loans starting from $25,000
  • Fixed monthly payments
  • Flexible terms—including loan-to-value ratio—vary by collateral type
  • Loan-to-value ratio

    The ratio between the unpaid principal amount of a loan, or credit limit in the case of a line of
    credit, and the appraised value of the collateral. Expressed as a percentage. For example, if you have an $80,000 first mortgage on a home with an appraised value of $100,000, the LTV is 80% ($80,000 / $100,000 = 80%).

Unsecured business line of credit

An unsecured line of credit provides cash flow for longer-term financing in larger amounts with low interest rates.

 Learn more about an unsecured line of credit