Credit Solutions

For more than 100 years, we’ve taken a personal approach to protecting your long-term interests. Consider our business bankers your own trusted advisors, dedicated to working with you to develop a straight-forward financing strategy that’s right for you. After all, we understand that our success depends on yours.

Business Lines of Credit

If you need to borrow funds to support cyclical or seasonal cash flow, Business Lines of Credit are often the right solution.

  • Use a Business Home Equity Line of Credit to borrow against  the equity in your personal residence to help finance your business.
  • Unsecured lines of credit are available up to $50,000.
  • Quick decisions on unsecured  lines up to $10,000 available with limited documentation.
  • Rely on us for a common-sense approach to secured lines of credit based on your business' assets.
  • Combine a line of credit with our Business Sweep Accounts.  We can automatically transfer funds daily between an operating account and related line of credit to efficiently manage cash resources, providing maximum flexibility with higher earnings potential.

Commercial Real Estate Financing

If you need to purchase or refinance your commercial property, we offer a number of options to fit your needs. 


  • Own the space where you do business. Ask us about financing real estate purchases.
  • Save money by refinancing your current property.
  • Outgrown your space?  Ask us about financing options to help you expand your business.
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Business Term Loans

If your business needs to purchase equipment, make capital improvements, or finance future expansion, Business Term Loans are the ideal solution.

  • Business Term Loans typically have terms of 1-7 years.
  • We tailor the loan to fit your cash flow.

Business and Corporate Credit Cards

Manage your credit easily and efficiently with a business or corporate credit card.

Earn valuable rewards.​1
Visa Business Real Rewards Card

card-bonus
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).2 Plus, earn 2,500 bonus rewards points after your first purchase.3  There is no limit on the total cash back you can earn, and you have five years 
to redeem for rewards. ​1 More credit card information

Visa Business Rewards Plus Card

card-bonus-plus
Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline.4 Earn 1.5 points monthly for every $1 you spend on eligible net purchases.  Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.1 More credit card information
 

 1The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your CardmemberAgreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). 

 2Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. 

 3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. 

 4Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.