• Business Lending
• Consumer Lending

BUSINESS LENDING

• Lines of Credit –
  Unsecured and/or secured to provide working capital. For business/industry professionals including attorneys, accountants, and medical professionals.
  
  
• Asset-Based Lines –
  For clients/borrowers with: (a) businesses that are undercapitalized for the desired objectives but are collateral sufficient; (b) seasonal businesses that require working capital financing throughout the entire business cycle; (c) businesses that are experiencing temporary downturns in their financing condition; and (d) businesses which are undergoing restructuring and/or buyouts that result in a higher level of leverage.
  
  
• Term Loans –
  For long term working capital requirements, fixed asset acquisition, rolling stock, growth and acquisition financing.
  
  
• Overdraft Credit Lines
  
  
• SBA Loans –
  504 Loan Program is available.
  
  
• Real Estate –
  A comprehensive list of commercial real estate and construction financing from short-term to permanent are provided.
• land loans
• detached residential subdivisions
• condominium and townhouse projects
• single purpose buildings
• industrial development projects
• retail commercial properties
• motel and hotel properties
• commercial mini perm loans
  
  
• Commercial and Standby Letters of Credit

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CONSUMER LENDING

• Personal Lines of Credit –
  A revolving line of credit can help you meet ongoing personal expenses, when you are not exactly sure how much you might need or when you will need it. Let us pre-qualify you for a personal line of credit and funds will be available when you need them during the term of the line. Monthly payments are interest only with principal due at maturity.
  
  
• Personal Loans –
  Term loans available to meet a variety needs.
  
  
• Home Equity Lines of Credit –
  A home equity line of credit can provide easy access to funds ongoing with principal due at maturity.
  
  
• Home Equity Loans –
  Use the equity in your home to make a purchase, take a vacation or numerous other uses, with payments of principal and interest over a ten-year period.
  
  
• Construction Loans –
  If you’re ready to build that dream home, let us help make it happen.

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