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COMMERCIAL LOANS
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Monroe Bank does more than help you with your loan needs. Our commercial lenders work with you to identify better financial solutions for your business. Contact a Commercial Loan Officer or call (800) 319-2664 today. All decisions are made in your community by local bankers.
Commercial Loans
 

• Commercial Real Estate Loan
• Construction & Interim Loan
• Operating Line of Credit
• Overdraft Line of Credit
• Term Loan
• Government Guaranteed (SBA) Loan

• Equipment Leasing

Commercial Real Estate Loan
 

We can help you purchase or refinance property, land improvements, building and facilities. Our commercial lenders have the tools and expertise to develop the loan plan that is customized to your needs, including competitive rates and terms.

We finance apartment complexes, single family rental houses, commercial buildings, strip malls, warehouses, office buildings and other types of income-producing property We have a line of credit available to allow you to draw upon the equity of your rental houses.
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Construction & Interim Loan
 

A construction loan typically involves a series of advances as a building project progresses.

Types of real estate considered include: office buildings, warehouses, apartments, tract residential housing, single family and commercial properties, land development, and other types of income-producing property.
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Operating Line of Credit
  A line of credit is an agreement between the bank and a business customer concerning the maximum short-term loan balance the bank will allow the customer to have during a given period.

The purpose is to finance temporary, short-term cash needs. These include seasonal inventory purchases, prepayment of bills to take advantage of volume discounts, or timely payment of other expenses to take advantage of volume discounts, or timely payment of other expenses in anticipation of receiving income.
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Overdraft Line of Credit
  This loan is tied to the customer's bank account and can be accessed automatically by merely writing a check. It also serves as a protection should an error be made in the customers records which would overdraw their checking account.
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Term Loan
  A term loan is a commercial loan with a maturity over one year. The borrowed funds can be used for a variety of purposes. For example, acquisition of fixed assets, partial financing of the purchase of a business, or refinancing of long term debt.
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Government Guaranteed (SBA) Loan
  When applicable, your commercial lender at Monroe Bank may recommend a variety of Small Business Administration (SBA) guaranteed lending programs. These programs may also be offered in conjunction with a Monroe Bank loan.
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Equipment Leasing
  Getting into an equipment lease has never been easier. Monroe Bank can finance a wide range of equipment types, both new and used. Equipment leasing offers 100 percent financing and affordable monthly payments. With Monroe Bank Equipment Leasing, you have the comfort of leasing through us, a source you have come to trust for financial matters.
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