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Business Loans

Community Business Bank provides a variety of loan programs to meet the individual requirements of your business. Our team of experienced professionals is available to assist you in evaluating your credit needs and in working with you throughout the entire lending process.

Agricultural Lending

Community Business Bank has a variety of lending solutions for agricultural related businesses. Our lending officers have the local market knowledge and experience in your industry to help your through every step of the lending process.

  • Agricultural Operating Line of Credit
  • Agricultural Equipment
  • Agricultural Real Estate

Business & Industrial (B&I)

This USDA program provides investors and small business owners benefits when purchasing or refinancing commercial real estate that is located in rural areas (typically less than 50,000 population). Benefits include lower down payments and longer loan amortization periods.

Commercial Loan Programs

Community Business Bank provides a variety of loan programs to meet the individual requirements of your business. Our team of experienced professionals is available to assist you in evaluating your credit needs and in working with you through the entire lending process.

  • Commercial Line-of-Credit
  • Term Business Loans
  • FarmerMac®
  • Accounts Receivable Financing
  • International and Domestic Letters of Credit

Eligible projects include but are not limited to: multi-purpose commercial (office buildings -- retail and industrial), apartments, raw land, single purpose properties (hotels, restaurants, gas stations), commercial development, and business acquisition.

For lending applications and checklists, visit the Loan Forms page.

Construction Financing

Getting the right financing for your construction projects requires a specialist. Our local lenders understand your business’ specific needs and can help you through the lending process. No project is too large or too small for our consideration.

  • New Home Construction
  • Large Parcel Construction Loans
  • Real Estate Commercial Construction
  • Real Estate Acquisition and Development (Residential and Commercial)

Multifamily Lending

Our Multifamily lending programs are designed for financing on apartment buildings with five or more units. Whether you are looking to refinance an existing apartment building or purchase a new building, we have the loan programs to assist you, including:

  • An array of fixed rate loan programs
  • Terms of 5 to 15 years
  • Up to 30 year amortization
  • Competitive interest rates

SBA 504 Loan

Small Business Administration Loan (SBA) to assist in the financing of commercial real estate and certain commercial equipment.

  • Maximum debenture up to $5 million; total project cost cannot exceed $12 million.
  • Business must be operated for profit and fall within the size standards set by the SBA
  • Proceeds from 504 loans must be used for owner-occupied commercial real estate projects and some eligible equipment
1 Other SBA and Community Business Bank guidelines may apply.

SBA 7(a) Loan

The Government’s Small Business Administration (SBA) has a number of lending programs designed to meet the needs of small businesses. The SBA’s 7(a) loan program is designed to meet a wide variety of a small business's capital needs for loans up to $5 million. Eligible businesses may include retail, professional and services firms with revenues under $25 million, as well as manufacturers, wholesalers and distributors (depending on industry).1

  • Working capital
  • Equipment purchase
  • Business acquisition or start-ups
  • Acquisition, expansion and renovation of owner-occupied commercial real estate
  • Debt refinancing
  • Inventory
1 Other SBA and Community Business Bank guidelines may apply.