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Commercial Loans

Commercial Loans

First Bethany offers a wide range of loan services to help your company meet its credit needs. Our local decision-making allows for timely answers and quick turnarounds of your loan requests.

Business credit services include: 

  • Working Capital Line of Credit
  • Term Loan
  • Commercial Real Estate Loan
  • Construction Loan
  • Business Credit Cards

Working Capital Line of Credit

First Bethany’s WORKING CAPITAL LINE OF CREDIT is a fast, convenient, and affordable way to access the funds your business requires. A line of credit provides ready cash to help you meet short-term funding needs, such as increasing inventory, dealing with seasonal cash flow issues, or taking advantage of unexpected opportunities.  Accessing your line is as easy as a phone call or e-mail request.  You can advance or pay down your line via transfer to or from your business checking account.

Term Loan

TERM LOANS are an excellent source of funds for purchasing EQUIPMENT, VEHICLES and other fixed assets or for obtaining permanent working capital. We offer competitive rates and repayment schedules and monthly payments are automatically debited for your convenience.  Our response time is quick and the assets you purchase can usually secure the loan.

Commercial Real Estate Loan

Our COMMERCIAL REAL ESTATE LOANS make owning, refinancing, or renovating commercial real estate easy and affordable.  You will benefit from flexible financing options that include competitive rates, and monthly payments with desirable amortizations.

Construction Loan

CONSTRUCTION LOANS are available for both commercial and residential properties. First Bethany offers financing plans to homebuilders and developers with many financing alternatives to fit your needs.

Business Credit Cards

Our BUSINESS CREDIT CARDS offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs.

All loans are subject to credit approval, acceptable collateral, and available equity.

We are ready to answer your questions and help you find a loan that fits you and your budget, offering flexible terms and competitive interest rates.  We’ll return your calls promptly and quickly turn around your loan application.
Depending on your company and the type of loan requested, below is a list of documents we may need to process your business loan. 

  • Corporate Documentation- Certificate of Incorporation, Articles, Certificate of Good Standing
  • Partnership Agreement or Assumed Name Certificate
  • Last two year- end company financial statements
  • Last two year-end company tax returns
  • Interim Financial Statement
  • Accounts Receivable Aging Report
  • Accounts Payable Aging Report
  • Projections ( if applicable)
  • Purchase Agreement (Business or Real Estate Purchase Projects)
  • Personal Financial Statement on each guarantor
  • Personal Tax Returns on each guarantor

All loans are subject to credit approval, acceptable collateral, and available equity.