Business Loans Built for Hometown Businesses
At Chambers Bank, we know that strong businesses build strong communities—and we’re here to help yours grow. Our commercial lending team offers flexible financing solutions designed to meet the unique needs of your business, whether you’re expanding operations, purchasing equipment, investing in real estate, or managing cash flow. With local decision-making, personalized service, and a deep understanding of the markets we serve, Chambers Bank is more than just a lender—we’re a partner in your success.
Working Capital & Growth
- Equipment Loans - Finance new or used machinery, vehicles, and technology to improve productivity and reduce downtime. Good for: manufacturers, contractors, healthcare, logistics, farms.
- Capital (Working Capital & Lines of Credit) - Cover day-to-day expenses, seasonality, and short-term opportunities. Draw what you need; pay interest only on what you use.
- Facilities Improvements - Upgrade or outfit offices, warehouses, or plants—fixtures, build-outs, and energy-efficiency projects.
- Expansion Financing - Open new locations, add staff, launch products, or enter new markets with term loans tailored to your growth plan.
Commercial Real Estate Loans
- Business & Professional Office Construction - Finance ground-up builds or major renovations for owner-occupied offices and professional space.
- Investment Property Construction and Financing - For income-producing properties such as retail centers, industrial, office, and mixed-use.
- Land Development - Acquire and prepare land, including infrastructure and site improvements.
- Commercial Property Refinancing - Lower payments, change terms, or access equity to fund growth.
Why Chambers Bank
- Local decisions and fast answers from local lenders.
- Flexible terms matched to cash flow and seasonality.
- Straightforward process with clear documentation checklists.
- Relationship banking with treasury services, debit and credit cards, and digital tools as you scale.
How Financing Works (3 Simple Steps)
- Connect with a lender (in-branch, phone, or online).
- Share your plan and documents (financials, tax returns, equipment or property details).
- Close and deploy capital—use funds for equipment, expansion, ag needs, or real estate.
What We Look For
- Time in business and management experience
- Revenue trends and cash flow coverage
- Collateral details (equipment, receivables, real estate)
- Personal and business credit history
- Loan-to-Value ratio
FAQs for Commercial Loans
Q. What can I finance with an equipment loan?
A. Machinery, vehicles, technology, and upgrades that extend useful life or boost productivity.
Q. How fast can I get a decision?
A. Many requests receive quick, local decisions once documents are complete. Construction and real-estate projects require additional due diligence.
Q. Do you offer lines of credit for seasonal needs?
A. Yes—working capital lines help manage receivables, inventory, and cash-flow gaps.
Q. What’s the difference between owner-occupied and investment property financing?
A. Owner-occupied is primarily used by your business; investment property is leased to tenants. Structure, terms, and underwriting may differ.
Give us a call or find a nearby branch to get started today!
All loans subject to credit approval. Not all applicants will qualify. Terms and conditions apply.