Need to manage cash flow? Buy inventory? A business line of credit might be the flexible solution your business needs. Borrow up to a predefined limit and pay interest only on the money borrowed. You can draw and repay funds as you wish, as long as you don’t exceed your credit limit.

Business lines of credit are typically secured by assets of the company, such as accounts receivable or inventory. In cases where a company does not have such assets to pledge as collateral, other options may include equity in real estate or non-retirement investment accounts.

Finance capital expenditures and long-term business investments with our Commercial Term Loans. These structured financing solutions are ideal for acquiring fixed assets such as machinery, equipment, vehicles, or funding commercial property improvements and tenant build-outs. Loan terms are strategically aligned with the economic life of financed assets, ensuring optimal cash flow management and tax planning benefits.

Where available, Small Business Administration (SBA) loan programs may help qualified businesses access longer terms and lower down payments than some conventional options. SBA programs are offered through participating lenders and are subject to SBA and lender eligibility requirements.

Common uses

• Eligible purposes may include:
  • Business acquisition or expansion
  • Commercial real estate purchases
  • Construction or facility renovation
  • Equipment, inventory, and working capital
  • Leasehold improvements and tenant build-outs
  • Business debt refinancing, where permitted
• Terms vary by program, collateral, and credit review.
• Maximum loan amounts depend on program guidelines and borrower qualifications.

Apply online for expedited review of small-business credit requests. Our team evaluates each application based on business performance, cash flow, and collateral, where applicable.

Features

• Easy: Complete a secure online application in minutes, or contact support for assistance.
• Secure: Personal and business information is transmitted over encrypted connections.
• Responsive: Decisions and funding timelines vary by loan type, documentation, and credit review.

• Flexible options — Term loans and lines of credit for qualified businesses.
• Transparent terms — Rates, fees, and repayment schedules are disclosed before acceptance.
• Personal service — Support specialists available to answer questions throughout the process.
• Digital tools — Track application status and upload documents through the customer portal.

Loan amounts, rates, and terms depend on creditworthiness, purpose, and program availability. Prepayment terms vary by product.