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BUSINESS BANKING LOANS

As an owner of a small or mid-sized business, you face challenges at every stage of the business lifecycle that can profoundly affect the shape, direction, and performance of your business for years to come. You need a banking source that will take the time to understand your business and personal financial goals. Our community banking philosophy commits our vast resources to meeting the needs of local business people, like you. And nowhere is this commitment more apparent than in the credit opportunities we offer our business customers. Provident Bank offers a wide array of options to meet your financing needs and help your business grow. We support the aspirations of local business owners, because we believe in creating strong links with our communities. We have a team of professional Business Banking officers dedicated to providing the personal attention that you and your business require.

COMMERCIAL TERM LOANS

This financing option lets you structure the purchase of fixed assets over a period of time while allowing the cash flow of your business to repay the loan. It offers:

• Either variable or fixed rate options.
• Loan terms usually set by the useful life of the assets financed.
• Repayment terms up to 10 years.

This loan is custom tailored for:

• Purchasing equipment and machinery 
• Long-term working capital
• Building improvements
• System Upgrades (technology)
• Business acquisitions
• Commercial Vehicles

BUSINESS LINES OF CREDIT

This is a loan for:

• Working capital.
• Short term business expenses.

SBA LOAN PROGRAMS

The U.S. Small Business Administration (SBA) is a Federal Agency established to assist small businesses. The SBA helps independent entrepreneurs get the financing and terms from banks that they need to expand their businesses. 

SBA financing is available for the purchase or improvement of industrial or commercial real estate. SBA loans are available for most business uses, such as acquisitions of land and buildings, purchase of equipment, business expansion, working capital, inventory purchases and business acquisitions.

COMMERCIAL REAL ESTATE LOANS

Provident Bank provides financing for office buildings, retail centers, industrial centers, and other commercial properties and facilities, either owner occupied or investor owned.

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