Real Estate Loan

Purchase, Refinance, Expand, Remodel or Rehabilitate

Amortizations up to 25 years, maturities up to 15 years

Principal and interest payments usually monthly, balloon payment options available

Land Loan

Purchase or Refinance

Up to 10 years

Principal and interest payments usually monthly, balloon payment options available

Term Loan

Long term financing needs such as equipment purchases, capital needs or other long term financing needs

Up to 10 years

Principal and interest payments usually monthly, balloon payment options available

Line of Credit

Short term financing needs, generally working capital and/or receivables and inventory financing

Varies, generally renewable annually

Interest only monthly

Letters of Credit

Bank guarantee of payment based on certain conditions

Varies, generally renewable annually

No repayment until and unless letter is presented for payment. Commitment and annual fees apply

Customized Loans

Other short term and long term needs can be accommodated

Terms up to and including 25 years are available and based on many factors such as loan purpose, cash flow and collateral

Payment types range from monthly, quarterly, semi-annual and annual payments and may be interest only payments, principal and interest payments and balloon payments