Business Banking

Community Bank offers a variety of banking services designed specifically for businesses. Whether you need options for working capital, funds for business expansion or equipment purchases, or more flexibility in cash flow, you’ll find that Community Bank is always committed to providing the personal attention you want and the responsive service that helps your company grow.

With cBank onLine, you can have access to real-time financial data that is secure and available 24/7. Our service is tailored to fit your specific business requirements, with streamlined account reconciliation, mobile banking, popular accounting software integration and an expanded list of other business services.

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Obtaining financing can be one of the most difficult challenges confronting any business person.  At Community Bank, we try to make it easy for you with our prompt, personalized service and comprehensive product line. Community Bank delivers a number of different loan products specifically designed to meet the needs of your business. Whether you need equipment financing for machinery, working capital to help you with day-to-day operations or a loan for capital expenditures to enhance the long-term viability of your company, you can be assured that your credit needs will receive prompt, personal attention from our experienced staff.

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Community Bank business checking accounts deliver the variety you need to meet the collection, disbursement and transactional requirements of your business. Community Bank money market and certificate of deposit accounts offer competitive rates and can be oriented toward short-term liquidity or long-term yield.

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Community Bank’s full range of treasury management services allow you to streamline the collection of your receivables, concentrate your cash, reconcile your accounts and report on your account activity automatically. Your cash goes to work faster and more efficiently, allowing you to monitor and control payments and deposits, and to respond quickly to opportunities.

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Community Bank’s comprehensive range of international trade services allow businesses to meet all of their import/export financing needs in one place. Community Bank provides businesses with direct access to international trade expertise to develop business solutions specifically tailored to your company’s needs and to assist with structuring both import and export trade transactions. Our competitively priced services are designed to accommodate your international requirements while safeguarding your interests.

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Tools to Build Your Future

Community Bank has always been committed to helping our customers capitalize on their real estate needs and opportunities. That’s why we offer a variety of Commercial Real Estate Loans in flexible amounts with competitive terms and rates.

Loan Product Types

Our Commercial Real Estate Group offers the following types of real estate loans:

  • Bridge
    • Interim financing for completed structures
    • Rehabilitation Loans
    • Tenant Improvements
  • Mini-Perms
  • Lines of Credit

Property Types

Community Bank finances many different property types. Here are just a few examples:

  • Multi-Family (5 units or more)
  • Industrial
  • Commercial Office
  • Self-Storage Facilities
  • Retail
  • Mixed Use

Loan Terms

We offer a variety of terms depending on the loan type:

  • Bridge Loans – up to 3 year maturities
  • Mini-Perms – up to 10 year maturities, longer terms will be considered on a case-by-case basis

Advance Rates

Community Bank will advance up to 65% of the purchase price or the appraised value (as determined by the Bank) for most properties and up to 70% for multi-family. Market and other factors may impact the advance rate on individual properties.

Interest Rates

Community Bank offers both variable and fixed rates:

  • Variable rates – based on Prime Rate or LIBOR
  • Fixed rates – based on Treasury Note Rates and LIBOR Swap Rates

Loan Fees

Loan fees are custom tailored to the individual transaction.

Amortization

Community Bank offers competitive amortization terms on a case by case basis (usually 25 years but not to exceed the useful life of the property); 30 year amortization is allowed for Multi-Family properties.

Collateral

We require a perfected first trust deed on the property to be financed.

Other

We have just a few other requirements:

  • All loans are subject to Community Bank’s customary due diligence, underwriting, credit approval and documentation
  • The borrower covers all out-of-pocket expenses, including documentation, environmental reports, and appraisals, etc.

Purchasing a new business, expanding an existing one or buying a commercial building can be an uncertain proposition for both borrower and lender. Working with the SBA gives us greater flexibility in approving your loan request. SBA loans can also offer advantages to small businesses through extended loan terms and competitive pricing.

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Let Community Bank help put your retention dollars to work for you in an interest-bearing Money Market Account. Our full service Contractor Retention Escrow Department specialists will show you how.

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