How Can We Help Your Business Thrive?
Civic Bank & Trust Business Loans
We understand that financing needs are unique for each individual business. That is why Civic Bank and Trust offers many types of loans for you to grow your business. You start with a personal business banker who helps you assess your company’s individual business needs. Loan decisions are then made right here in our bank by our Executive Loan Committee Members who are local business people, friends and neighbors and people who care about our community and want to be your financial partner. You will find the loan process to be fast, simple and convenient.
Whatever the size of the opportunity, Civic Bank can bring you competitive rates, short and long-term loan periods and flexible options.
Business Lines of Credit
Flexible financing, specially designed to handle business expenses, including seasonal cash needs, receivables financing, inventory financing and short term cash flow. Never miss a business opportunity and repay and reuse your line of credit as needed.
Business Term Loans
Provide your business with immediate cash for long-term financing, so you can expand your business, finance new equipment or refinance debt.
Real Estate Term Loans
Utilizing the equity in your business or investment property, we can help you acquire, develop or build commercial real estate.
Let us help you determine and secure a loan for your construction needs. Whether you are constructing a building or improving existing real estate owned by the company, we want to be your financial partner as you grow.
Equipment Term Loans
We offer flexible loan terms and with competitive fixed interest rates for business vehicle and equipment purchases. You can get pre-approved so you can shop knowing you already have funding in place.
As an SBA Approved Lender, Civic Bank and Trust can provide flexible funding to businesses that may not qualify for conventional bank loans. Our business bankers who specialize in SBA financing will help you select, apply for and process the loan that is right for you. Approvals are performed in-house so you will have a quick response.
SBA loans offer:
- Flexible eligibility requirements
- Competitive rates
- Extended terms
- Lower down payments