Business Loans

Uncommon service is based on common understanding. The people you deal with at Guardian Bank know a lot about the challenges and needs of a small business—because that’s exactly what Guardian Bank is.

We are more responsive than banks based elsewhere because we don’t have to check in with decision-makers in a far-off place. Our decision-makers are here.

We have helped many local businesses get off the ground and thrive. And we’d love to do the same for you.

Business Loan Options

BUSINESS LINE OF CREDIT

A flexible option which allows you to borrow up to a certain limit, pay interest only on the portion you borrow and manage repayment to match your cash flow.

Support working capital needs
Manage seasonal cash fluctuations
Flexible repayment structures available

Working Capital Loans

A committed credit facility allowing your business to borrow funds, repay the loan, and borrow again as needed
Advance and repay principal to match the cycle of your company’s collection of assets
Working capital loans may be permanent—or you may wish to structure the line to reduce over a specified period
Can be structured with a longer maturity date; options typically include converting all or a portion of the amount outstanding to a term loan

BUSINESS TERM LOANS

A single advance loan that is repaid regularly, at an agreed-upon interest rate, over a set amount of time.

Expand facilities
Purchase equipment and fixed assets
Consolidate debt
Increase working capital
Permanent commercial real estate financing available

COMMERCIAL REAL ESTATE LOANS

Secure a mortgage on an office building, shopping center, or other commercial space—new construction, acquisition or refinancing options are available.

Construction of a new office or building
Purchase leased property
Refinance an existing commercial real estate loan

Business Real Estate Loans

Residential and commercial real estate projects
Construction loans
Short-term bridge loans

Income-Producing Real Estate Loans

Retail
Office
Multi-family
Industrial

Development Loans

Lending for residential real estate projects
Land loans
Acquisition and development funding
Lot financing

Construction Loans

Lending to improve real property
Maturity coincides with project completion

UNITED STATES DEPARTMENT OF AGRICULTURE BUSINESS & INDUSTRY (USDA B&I) LOANS

Designed to help save and create jobs, this loan guarantee program aims to assist credit-worthy rural businesses grow.

SMALL BUSINESS ADMINISTRATION (SBA) LOANS

These loans are designed to help small businesses succeed. They offer the stability that comes with being backed by the U.S. Government, along with the flexibility of working with our loan officers.

We will partner with your business to identify the program that best fits your company’s needs.

Loan Benefits

Business acquisition
Enterprise refinancing
Improve cash flow with longer terms
Reduced debt service requirements
Fully amortizing loans

Loan Programs

7(a) – The most common type, 7(a) loans are available to the majority of small businesses to have access to working capital, for a maximum of $2 million.
CDC/504 – This loan program provides long-term financing on major fixed assets like land and buildings. CDC/504 loans are designed to contribute to the economic development of communities and have a maximum loan amount of $1.5 million.

Loan Calculator

Try different loan amounts, different down payments or different terms. Our calculator helps you figure out what works for you.

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