Loans that are tailored to your business needs

Our loan officers specialize in commercial lending. Let them help you with all of your financial needs! They will provide advice and guidance to help your business become established and to grow profitably.

Female small business owners

SBA Loans

Not eligible for conventional business loans? You may be qualified for an SBA loan.

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Commercial Leasing

One of the most cost-effective ways to obtain equipment for your business.

Coffee shop owner

Equipment Loans

Expand your business with new equipment purchased with our competitive interest rate equipment loans.

Industrial warehouses

Commercial Real Estate

Learn if your business qualifies for Real Estate loans by the USDA.

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Lines of Credit

Manage your business cash flow or short term borrowing needs with our lines of credit.

Ohio State Capitol

Ohio Minority Business Loan

Alternative loans option from the Ohio Department of Development.

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Commercial Lenders

Our Lenders can help you with choosing the right products and services.

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Ask the Lender

Our commercial lenders answer commonly asked questions about business products and services.

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Loan Calculators

Determine your loan payment amount with our provided tools.

Effective May 11, 2018, the government is requiring all banks to comply with new rules under the Bank Secrecy Act that will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security issues. This is referred to as the Beneficial Ownership Rule that applies to each new account that is opened by a legal entity. Examples of legal entities would include corporations, limited liability companies, partnerships, business trust filed with the state or other similar business entities. There are 2 prongs for the definition of beneficial owner:

  • Ownership – each individual, who directly or indirectly, owns 25% or more of the equity interests of a legal entity customer
  • Control – one individual with significant responsibility to control, manage or direct a legal entity customer (e.g. CEO, CFO, COO, Managing Member, General Partner, President, Vice President or Treasurer) OR any other individual who performs similar functions

At the time an account is opened or renewed (deposit or loan), the Certificate of Beneficial Ownership form is required to be completed. This form requires you to provide the name, address, date of birth and Social Security Number (or passport number or other similar information, in the case of foreign persons), as well as identification documentation (i.e. unexpired government issued ID with current physical address), for all individuals who fit the definition of beneficial owner. You will be required to provide this information and certify that this is true and accurate to the best of your knowledge before the account can be opened.

In order to make this process as efficient as possible, we are notifying you in advance to obtain the required information (name, address, date of birth, SSN and copy of ID) for each individual under the Ownership & Control prongs. If your business will frequently be opening new accounts and/or loans, we recommend you keep this information current and available as it will be required EACH time you establish a new account.

 

 

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