-
Looking:
-
[email protected]
Lending & Finance
Commercial Lending Solutions
At Equity Trust Banking Corporation, we understand that access to capital is the lifeblood of any growing business. Our lending solutions are designed to help you expand operations, acquire equipment, manage cash flow, and fuel long-term growth.
Our experienced lending team takes a relationship-first approach. We analyze your business model, industry dynamics, and long-term goals to structure financing packages that truly support your success and strategic objectives.
Our Lending Products
We offer a comprehensive suite of financing options for businesses of all sizes:
- Commercial Real Estate Loans: Acquisition, refinancing, and construction financing for owner-occupied and investment properties.
- Business Lines of Credit: Flexible working capital for seasonal fluctuations and operational expenses.
- Equipment Financing: Term loans and leases for machinery, vehicles, and technology upgrades.
- SBA Loans: Government-backed loans (7(a) and 504) with favorable terms for qualifying businesses.
- Construction & Development Financing: Customized funding for ground-up construction and major renovations.
The Equity Trust Banking Corporation Advantage
Partnering with us means more than just receiving a loan; it’s gaining a trusted financial ally committed to your business growth.
- Local Decision Making: Credit decisions made locally for faster turnaround and better market understanding.
- Industry Expertise: Deep experience across healthcare, manufacturing, technology, and other sectors.
- Personalized Service: Dedicated relationship managers who know your business inside and out.
Advisory & Strategic Support
Our lending solutions come paired with expert advisory support to help you make informed decisions.
- Financial structuring and capital optimization
- Debt refinancing and portfolio management
- Cash flow forecasting and scenario planning
- Growth and expansion financing strategies
Risk Management & Compliance
We help businesses navigate financial risks with proactive solutions that protect capital and ensure regulatory compliance.
- Fraud detection and prevention tools
- Industry-aligned lending practices
- Credit monitoring and risk assessment
- Regulatory guidance for complex financing
Client Success Stories
Our clients benefit from tailored lending solutions that help them achieve measurable results:
- Healthcare providers expanded operations without straining cash flow
- Manufacturers acquired modern equipment to boost productivity
- Technology startups leveraged SBA loans to scale rapidly
- Developers financed construction projects efficiently and on time
Frequently Asked Questions
-
What documents do I need to apply?
Typically, we require the last three years of business and personal tax returns, a current personal financial statement, and a year-to-date profit and loss statement. Additional documents may be requested depending on loan type.
-
How long does the approval process take?
We prioritize efficiency. Initial credit decisions are often made within a few business days after receiving a complete application. Closing timelines vary by loan type.
-
Do you offer fixed or variable rates?
Both fixed and variable rate options are available depending on the loan product and your preference. Your relationship manager can recommend the most suitable structure.
-
Can I apply for an SBA loan through Equity Trust Banking Corporation?
Yes. We are an active SBA lender and can help guide you through SBA 7(a) and 504 loan programs for optimal fit and terms.
Ready to Grow Your Business?
Connect with our experienced lending team to explore financing options tailored to your needs.
Speak with a Lending Specialist