Business Loans​

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.

Interior shot of local coffee shop.

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


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


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


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


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


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

Loan Calculator

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

Let’s start the conversation.

We’re ready to help. Call now, or drop by one of our branches. Numbers and addresses can be found here.

ABA Routing Number: 061220049

Lost or stolen card? Call 1-800-383-8000

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