Business Loans
RelianzBank offers a number of unique loan products specifically designed to meet the needs of your business. Our approach to your financing needs is dictated by a philosophy of personal service combined with the speed of local decision-making. We provide both fixed and variable rate options with repayment terms tailored to the cash flow and income stream that your business generates.
Lines of Credit
Lines of credit are engineered to meet your short term financing needs. Typically, lines of credit are repaid from your business's operating cash flow and provide working capital to support account receivables and inventory.
Flexible Term Loans
Term loans are designed to finance the purchase of new or used equipment and machinery; cover leasehold improvements; or finance the acquisition of another company. Competitive terms are available and typically vary with the type of financing needs.
Medical/Professional Practice Loans
RelianzBank has an extensive array of loans and other financial services tailored to meet the unique needs of physicians, physician groups, attorneys, accountants and other professional executives.
Commercial Real Estate Loans
RelianzBank offers creative and flexible transaction structuring to meet your project needs. Nothing is more important to real estate professionals than the certainty project financing will be in place on time, and as represented. The funds can be used for the purchase, refinance, or construction of office buildings, apartments, retail centers, or other commercial real estate for the following product types:
- Residential & Commercial Construction Loans
- Acquisition and Land Development Loans
- Investor and Owner Occupied Commercial Real Estate Loans
Standby Letters of Credit
A standby letter of credit is a conditional undertaking by a bank, acting on behalf of its business client, in which the bank agrees to pay money upon the presentation of specified documents that are in strict compliance with the letter of credit's terms and conditions.
Small Business Administration (SBA) Loans
RelianzBank can originate Small Business Administration (SBA) loans for your business financing needs. SBA loans are a special form of financing backed by the United States Government to help small businesses obtain the funding they need to start or expand a business. RelianzBank can help with three types of SBA loans:
- SBA 7(a) Loan - This loan type can help companies that are just beginning operations or that are expanding their existing operations. Loan amounts can go as high as $1.5 million.
- LowDoc Loan - This loan type is very similar to the SBA 7(a) loan, but is designed for loan amounts under $150,000.
- SBA 504 Loan - This is a long-term loan to help businesses obtain funds for land, buildings, equipment or other assets, with special, negotiated fixed interest rates.
Because SBA loans must be written to government standards, businesses must qualify to receive financing under the programs offered by the SBA.
Consumer Loans
Home Equity Loans and Lines of Credit
Our term home equity loans and revolving lines of credit allow you to take advantage of the equity in your home to consolidate debts, make home improvements, purchase autos or recreational vehicles, take a vacation, pay tuition or finance any other worthwhile item. Best of all, our rates and terms are competitive and the interest you pay is often tax-deductible.
Personal Loans
We offer a wide selection of loan products and services to meet your individual needs including:
- New and used automobile loans
- Personal secured and unsecured loans
- Loans secured by savings or bank time certificates
- Recreational vehicles, motorcycles and boat loans
- and more...
