Business Loans

Obtaining financing can be one of the most difficult challenges confronting any businessperson. At Commerce Bank of Southwest Florida, we try to make it easy for you with our prompt, personalized service and comprehensive product line. Commerce Bank of Southwest Florida delivers a number of different loan products specifically designed to meet the needs of your business. When your business needs a competitive edge, we will work with you to create a solution, 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.

• Buy, build or refinance commercial real estate for your business
• Purchase or lease capital equipment
• Flexible terms and rates to meet your cash flow needs
• Funding within 24 hours for qualified customers*

Real Estate Loan

Buy, build or refinance commercial real estate with a Commerce Bank of Southwest Florida's Commercial Real Estate Loan. You may be able to eliminate rent payments, reduce your monthly payments or take advantage of potential tax benefits.**

• Loans ranging from $50,000 to $2,500,000
• Fixed or variable interest rates
• Flexible terms available up to 20 years

Commercial Real Estate

Build on your business investments with one of our Commercial Real Estate programs. Use existing real estate value and assignment of leases and rents for collateral.

We offer a fixed rate for an initial term of up to 60 months, and amortization schedules of up to 20 years depending on property type.

Our Commercial Real Estate programs include:

• Owner occupied commercial real estate
• Non owner occupied multi-family dwellings
• Mixed use properties
• Investment properties
• Commercial buildings

Term Loans

Term loans provide a source of longer term funding for equipment purchases, vehicle purchases, or other needs. We finance loans to purchase equipment or expand an office building, purchase a new business, refinance a contract to a former owner, working capital lines of credit and loans to fund profit sharing/pension plans. We also offer all consumer credit including Home Equity Lines of Credit and personal, unsecured lines of credit. Repayment is usually structured to provide monthly payments of principal and interest. Terms generally require repayment within seven years, and have a variable rate option. These loans are typically secured by the assets of the company.

Working Capital Lines of Credit

Lines of credit provide a source for short term funding needs and seasonal production peaks. Repayment is usually structured to be interest only on a monthly basis with one or two year maturities and a variable rate. Lines of credit are typically secured by all assets of the business.

SBA

Do you need more than $100,000 in financing? Is it time to buy real estate, acquire a new business or franchise, purchase business equipment, or increase working capital? We can help you find the best Small Business Administration loan for your business.

Commerce Bank of Southwest Florida provides better and faster service for you and your business. We offer dedicated service and an experienced SBA staff to help your business take full advantage of SBA loan benefits.

Use your SBA Loan for business real estate, construction, equipment, and more. Get more details on ways to use your loan.

Benefits of Commerce Bank of Southwest Florida's SBA Loans<

• Longer maturities than most bank loans
• Lower down payment
• Lower monthly payment
• Longer terms
• No balloon payment
• No covenants
• Multiple interest rate options (floating, adjustable, or fixed)
• Fast Credit approval*

Commerce Bank of Southwest Florida offers a variety of SBA Loans. Not sure which is right for you? Compare all our SBA loans here.

* All loans are subject to credit approval.
** Consult a tax advisor regarding deductibility