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Our loan officers specialize in commercial lending. Let them help you with all of your financial needs! They will provide advice and guidance to help your business become established and to grow profitably.

Business Loan Programs
Small Business Administration (SBA) Programs


  • Simplifies small business loans
  • Maximum loan amount of $350,000
  • Easy one-page application
  • Response from SBA within 36 hours
  • SBA guarantee of up to 50% of loan amount

  • Purpose is to start or grow a business
  • Existing business has average annual sales for previous 3 years not exceeding $5 million, and the business employs no more than 100 people
  • Business owners have good credit and are of good character

SBA 7A Guaranteed Loans

  • Maximum loan amount of $5 million
  • Both fixed and variable interest rate structures are available
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Loans to businesses, not individuals
  • May be used to establish a new business or assist in the acquisition, operation or expansion of an existing business
  • Maximum loan maturities are 25 years for real estate, up to 10 years for equipment and up to 7 years for working capital

SBA 504 Loans

  • Maximum loan amount of $4 - $5.5 million depending upon how funds will be used and which goal they support: job creation, public policy or small manufacturing
  • Interest rates are pegged to an increment above the current market rate for 5-year and 10-year U.S. Treasury issues
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Applicants must operate as a for-profit company and do business in the United States. For a complete list of eligibility requirements, click here.
  • Funds must be used for job creation, meeting public policy goals of energy reduction or alternative fuels or to aid small manufacturing in creating or retaining jobs or in order to improve the economy.
  • Maturity terms of 10 and 20 years are available.
Ohio Department of Development

Regional 166 Direct Loan Program
Promotes economic development, business expansion and job creation by providing financial assistance for allowable costs of eligible projects in the State of Ohio.

The Ohio Development Services Agency's (ODSA) Regional 166 Direct Loan provides low-interest loans to businesses creating new jobs or preserving existing employment opportunities in the State of Ohio.


  • Must be related to industry, commerce, distribution or research activities. Retail projects are not eligible.
  • Loans may be used for land or building purchase, machinery and equipment purchase, building construction/renovation costs, long-term leasehold improvements, ongoing fixed asset purchase, capitalizable costs directly related to a fixed-asset purchase
  • May finance up to 40% of allowable project costs with loans up to $350,000
  • Term for real estate is up to 15 years and terms for machinery and equipment is up to 10 years
  • Requires creation or retention, within a 3-year period, of one job for each $50,000 of Regional 166 Direct Loan proceeds
  • For applicant contribution, security and collateral information go to their website
Meet Our Lenders
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For an online directory of our commercial lenders

More Information
Learn more about how our commercial loan services can benefit your business today. Call:
Mon. - Fri. 8:30 am - 5 pm EST
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