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At County Commerce Bank, we pride ourselves on being able to provide all of the lending capacity you need, delivered with the personal service you expect from a local community bank dedicated to customer satisfaction.
Our business loan products are the flagship of our organization. From lines of credit to term loans to credit cards, we offer customized solutions that are fitted to the unique needs of your organization. Our experienced local lenders are available to meet with you at your location, when it’s convenient for you. We work with you as a member of your advisory team to develop a relationship based on individual attention so we can customize financing that is tailor made just for your business.
Our lending decisions are made locally by experienced bankers familiar with your business and the local economy so decisions are made quickly and efficiently. Your relationship manager acts as your dedicated advocate to eliminate any hassles, ensure that your needs are heard and that you receive a timely response.
Whether your needs are short-term, long-term or seasonal, we offer a variety of loan services that can support your immediate cash flow needs, expand your business, expedite the acquisition of inventory, simplify the acquisition of new equipment and machinery, make it possible to purchase your own building, easily track travel expenses, and more.
Customized financing solutions are developed from our extensive product line.
Our secured or unsecured line of credit provides peace of mind as overdraft protection for your checking account up to your approved credit limit to eliminate the hassle, embarrassment and cost of returned checks for insufficient funds. You also can use it as a line of credit any time you need it, just by writing a check, to take advantage of purchases that may exceed the balance in your checking account.
A convenient, easy to access revolving line of credit facility is an important tool for any business that might need to support fluctuating, short-term credit needs such as working capital or an occasional seasonal cash crunch. With a credit line, you can borrow funds as you need them up to your approved credit limit. As you repay principal, funds become available to be used again and again without having to reapply each time.
Use a term loan for specific reasons and purchases such as refinancing existing debt, expanding operations, leasehold improvements, or other long-term capital requirements. Terms are competitive and flexible based on the type of financing you need.
By financing your accounts receivable, you can shorten the period between the time you sell your goods and services and the time you receive payment. With this revolving line of credit, you can borrow an approved percentage of the current value of your receivables up to your approved credit limit. You can increase your working capital while collecting your receivables.
As you repay principal, funds become available to be used again and again without having to reapply each time.
We offer term loans to businesses for the purchase of fixed assets including new or used equipment. This fixed term loan offers the budgeting convenience of a regular repayment schedule.
You can pledge commercially traded American stocks and/or bonds as collateral for this fixed term loan without having to liquidate assets that may appreciate in value.
A letter of credit is issued by the Bank and it allows you to obtain better credit terms from a seller and facilitates transactions around the globe. This flexible financing instrument provides a business with the assurance of its performance on a specific contract. With a letter of credit, you can take advantage of expanded purchasing power domestically or internationally.
Our Visa® business credit card programs offer easy, secure, convenient access to your revolving line of credit for business purchases at merchants worldwide, wherever Visa® is accepted. You have access to a comprehensive package of features and you can earn valuable rewards and control and track expenses.
These facilities will be granted to business customers on an individual loan request basis for a new building purchase, facilities expansion or for refinancing existing property. This long-term financing is available for owner-occupied or investment property.
We offer this non-revolving line of credit for construction of commercial, industrial and multi-unit buildings in our defined market area where the builder and/or developer are well known to the Bank and have a good customer relationship. Construction loans are structured to fit your particular plans. The loan is secured by a first or second Trust Deed on the property. Funds are advanced only as needed as construction progresses, thus saving on the interest expense.
This is a great facility for land that is zoned properly and will be built through a professional contractor or held for investment purposes.
We offer a variety of government guaranteed loan programs to assist you in qualifying. We will work with you to determine which program might be best for your business.
SBA loans can be used to purchase a business, finance a new business and refinance an existing business loan. County Commerce Bank has Preferred Lender (PLP) status with the SBA and participates in many facets of SBA and other government guaranteed programs. SBA loans are partially guaranteed by the US Small Business Administration. PLP status allows us to make loan decisions on behalf of the SBA which speeds up processing, approval and funding. We offer SBA 7(a) and 504 financing.
SBA 7(a) Loan: This program is available for the business owner that needs long term financing for purchasing equipment, furniture, fixtures, working capital or purchasing a business. It also can be used for buying commercial property, construction or renovation.
SBA 504 Loan: This loan program is used to purchase commercial real estate or a large piece of equipment.
SBA real estate loans require a smaller down payment than conventional financing. SBA equipment and working capital loans are paid back over a longer period than conventional loans, enhancing your business cash flow.
For more detail on all of the SBA loans available and all of the other services offered by the Small Business Administration, please visit their web site at www.sba.gov.Top