Business Banking

Loans

Commercial Loans

Lines of Credit: Lines of credit provide your business with cash for a variety of short-term financing needs, including providing seasonal working capital, carrying receivables, and purchasing inventory. Lines of credit may be either secured or unsecured.

Term Loans: Term loans assist your business for a variety of long-term financing needs, including purchasing machinery, equipment, and vehicles. Terms up to 7 years, fully amortized.

Commercial Real Estate: Valley Republic Bank offers commercial real estate loans designed for the purchase or refinance of commercial and industrial real estate. Terms up to 10 years with a 25-year amortization. Loan-to-Value varies by property type, but loans up to 70% of appraised value are available.

Construction Loans

Construction loans are available for commercial, industrial, and residential projects. Land acquisition and development loans are also available if construction is expected within 12 months. Since your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently.

SBA / State Guaranteed Loans

Valley Republic Bank participates in a variety of SBA and state guaranteed loans. These loan programs offer lines of credit for seasonal working capital, term loans to purchase a variety of long-term assets, and commercial real estate loans with up to 90% financing on owner-occupied real estate.

For more information on the SBA 504 Loan Program, please visit our partner Mid State Development Corporation at msdcdc.org.