Business Loans

 

 

Credit European Bank offers business loans tailored to fit your unique financial needs. Whether your company is looking for a short-term working capital financing arrangement or a complex long-term solution, Credit European Bank’s commercial bankers are committed to working with your business to meet its financial needs.

 

Select a Product From Below:

 

Business Term Loans Commercial Real Estate Lending Business Line of Credit
Agriculture Loans Small Business Association (SBA) Loans  

 

Business Term Loans

 

Credit European Bank offers a variety of amortizing term loans to help your business grow or to provide needed access to funding.

  • Expand facilities
  • Purchase equipment and fixed assets
  • Consolidate debt
  • Increase working capital

Term loans may be used as permanent financing to convert a construction loan at the time of project completion or for the purchase of an existing property – competitive rates and multiple amortization options available.

 

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Commercial Real Estate Lending

 

Credit European Bank provides a wide range of commercial real estate financing including new construction, acquisition or refinancing options.

  • Purchase of office or building
  • Refinance an existing commercial real estate loan
  • Residential and commercial real estate projects
  • Construction loans
  • Short-term bridge loans
  • Permanent fixed rate financing
Income Producing Real Estate Loans
  • Retail
  • Office
  • Multi-family
  • Industrial
Development Loans
  • Lending for residential real estate projects
  • Land loans
  • Acquisition and development funding
  • Lot financing
Construction Loans
  • Real Estate Improvement
  • Aggregate commitment amounts
  • Progressive draws
  • Maturity coincides with project completion

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Business Line of Credit

 

Credit European Bank offers working capital and asset lending to help your business manage its cash flow needs.

  • Finance receivables
  • Manage seasonal cash fluctuations
  • Flexible repayment structures
Working Capital Loans
  • A committed credit facility allowing your business to borrow, repay and borrow funds again as needed
  • Advance and repay principal to match the cycle of your company’s collection of assets
  • Working capital loans may be permanent or you may wish to structure the line to reduce over a specified period
  • Can be structured with a longer maturity date, options typically include converting all or a portion of the amount outstanding to a term loan.

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Agriculture Loans

 

Credit European Bank offers Agriculture Loans and we have the experience to provide you professional advice and assistance with your farming financial needs. We provide annual payment loans to coincide with production cycles.

We also assist with FSA Guarantys.

  • Production Loans
  • Purchase Equipment & Fixed Assets
  • Consolidate Debt
Agriculture Real Estate Loans
  • Purchase Loans
  • Refinance
  • Construction

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Small Business Association (SBA) Loans

 

Credit European Bank partners with the Small Business Administration to offer certain loans.

SBA loans are specifically designed for small business owners. Credit European Bank will partner with your business to identify the program that best fits your company’s needs.

  • Programs include the SBA 7(a) and 504
  • Great for providing working capital
  • Longer term financing available for the purchase of real estate, equipment, or inventory.
To prepare for your appointment with a Commercial Banking Officer, here are a few things to bring:

 

Existing Business:
  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business
Business Acquisition:
  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business
  • Signed purchase agreement
  • Projections for at least one year – cash flow, balance sheet, and income statement
All Requests:
  • Articles of Incorporation – if a corporation.
  • Partnership Agreement – if a partnership.
  • Articles of Organization – if a LLC.
  • Use of Proceeds

The contents of this page are subject to revision and change without notice and may be contingent upon situations beyond our institution’s control.  The revisions and changes that may occur are necessary to provide our customers with the best products and services available, while remaining in compliance with Federal and State regulations.

 

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