Charter Bank offers a wide variety of business loan products to fulfill the needs of almost any borrower. Whether you are looking to purchase an existing business, start a new business or, just need money for the daily operations of your current business, Charter Bank has the competitive rates and superior service you deserve.

Commercial Loans

• Lines of Credit
• Commercial Real Estate
• Term Loans
• Short-term Working Capital
• Business Credit Card
• Merchant Mastercard and Visa

Our loan decisions are made locally…
where our customers live!

Small Business Administration Loans (SBA Loans)
Charter Bank is experienced in providing US Small Business Administration (SBA) Loans. Almost any business purpose can qualify for SBA Guaranteed Loans, including:

• Equipment/Inventory purchase
• Commercial Real Estate Purchase
• Commercial Construction
• Business acquisition and expansion
• Refinance
• Working Capital

Qualifying for an SBA Loan

SBA Real Estate Loans
The buyer must be an owner-user occupying a minimum of 51% of an existing structure, or 60% of newly constructed buildings. Qualified properties include:

• Free standing industrial & commercial buildings
• Office, medical and industrial condominiums
• Hotels & motels
• Improvements on leased land
• Restaurants
• Franchise specialty buildings
• Steel buildings
• Terms of up to 25 years

SBA Non-Real Estate Loans

• Financing for most business uses
• Terms of 7 to 10 years
• Proceeds used for working capital, inventory, equipment, business acquisition, debt refinancing

For more details or to apply for a loan, stop and visit with us at Charter Bank.