Commercial Lending
Your business plans deserve a financing conversation built around the opportunity ahead. Loyal Trust Bank offers commercial loans to business owners in the communities we serve, with competitive rates and terms designed to support financial goals.
Financing Conversations Built Around Business Goals
Commercial Real Estate · Business Assets · Working Capital · SBA-Supported Financing
Available structures, collateral requirements and terms vary. Begin with the business purpose, then work with our lending team to review current options.
PROPERTY FINANCING
Commercial Real Estate
Discuss the purchase or refinance of eligible owner-occupied commercial or investment property.
BUSINESS INVESTMENT
Equipment & Fixed Assets
Explore available financing for equipment or other fixed assets that support business operations and planned growth.
OPERATING NEEDS
Working Capital & Lines
Discuss business needs tied to cash flow, operating expenses, inventory or other short-term requirements.
Please note: Product availability and terms vary. All loans are subject to application, credit review, underwriting, approval and applicable terms.
A BUSINESS-FOCUSED APPROACH
Build the Conversation Around the Opportunity
The lending process begins with understanding the business, the financing purpose and the financial information that supports the request.
Share the Business Goal
Explain the financing purpose, requested timing and how the project or investment supports the business.
Review the Financial Picture
Prepare relevant business and personal financial information, ownership details and available project documentation.
Discuss Structure and Next Steps
Work with the lending team to understand current options, documentation and the next stage of review.
Information That May Support Your Request
Exact documentation depends on the borrower and loan request. Use these categories as a starting checklist for your conversation with the bank.
Business Overview
Summarize the company, ownership, operations, history and the market it serves.
Loan Purpose
Explain how the requested financing will be used and how it supports the business plan.
Business Financials
Organize available financial statements, tax returns and current debt information.
Owner Information
Prepare applicable ownership, guarantor and personal financial information.
Project or Asset Details
Gather contracts, purchase information, property details or equipment documentation when relevant.
Requested Timeline
Identify important dates and allow time for application, documentation, review and closing.
Related resources: Business Banking · SBA Lending · SBA financial management guidance
Could SBA-Supported Financing Fit Your Business Goal?
Loyal Trust Bank’s commercial lending options include SBA loans intended to support eligible business growth and development.
Business-focused guidance · SBA-supported options · Local service
Explore SBA Lending
Learn how SBA-backed financing generally works, then connect with Loyal Trust Bank to discuss current program availability.