Commercial banking

Listening. Learning. Leading.

Your business is unique.
So are our solutions.

Commercial banking is more than lending money.

It’s listening more than talking. Learning what makes your business unique. And leading
the way with customized solutions.

Talk to us today. We’re here to help. Always.

Meet Our Team

Term Loans

Our Commercial Term Loans can help you get down to business. We offer a choice of terms and rate options that can help you buy equipment and business vehicles, restructure your company's debt, or provide you with working capital.

Lines of Credit

With a Commercial Line of Credit, you'll have a revolving credit line whenever you need it, with easy access for streamlined utilization.

Loan Features
• Available for short-term cash needs
• Revolving line of credit
• Renewable annually
• Interest-only monthly payment

Letters of Credit

When your business needs to guarantee a payment to a vendor, supplier, or you need a performance guarantee, apply for a letter of credit. Valid for up to one year from date of authorization.

Construction Mortgages

Renovate an existing structure. Expand your footprint. Build something new from the ground up. A Florence Bank Construction Mortgage can help you get your project done on time and within budget.

• During construction, draw funds as work progresses
• Pay interest only on the outstanding balance accrued during the construction phase
• Available for custom or "spec" building projects
• Option to convert to a permanent mortgage

Commercial Mortgages

If you're looking to purchase - or invest in - commercial properties, Florence Bank offers lending expertise and favorable financing terms.

• Competitive rates
• Terms up to 20 years
• Fixed or variable interest rates
• Loan-to-value ratio up to 80%
• Tax-exempt bond pricing available
• Refinancing options available
• Includes residential, non-owner occupied investment properties

SBA Loans

Let Florence Bank help your small business take the next big step. U.S. Small Business Administration (SBA) loans that come with affordable rates can be used to cover start-up expenses, expansion needs, real estate acquisition, and many other costs.

We participate in all SBA programs, including 7(A) and 504
7(A) loans can be used for short-term or long-term working capital, to purchase an existing business, or purchase furniture, fixtures and supplies
504 loans offer long-term, fixed-rate financing to acquire real estate or fixed assets
As an SBA Preferred Lender, we offer a quick turnaround on the loan approval process

Approved to offer SBA loan products under SBA's Preferred Lender and Express Programs.

Business Credit Cards

Help manage and control expenses and earn rewards for your business, municipality, or non-profit.