Lost or Stolen
Debit Cards
call
1-800-500-1044
Toll Free number
1-866-691-5646
Visit our
Business & Personal
Online Banking
Demo
|
|
Commercial Loan |
Commercial Mortgage |
Term Loans |
Line of Credit |
Builder Lines of Credit
|
Looking for better solutions and a bank that is responsive? We offer
solutions tailored to the
banking needs of our clients in a broad range of industries and professions.
Columbia Bank knows that business banking isn't a one size fits all
proposition. Banking needs
differ from business to business. So Columbia Bank doesn't deal in cookie
cutter banking products. Below is our Business Loan solutions: |
| Commercial Loan |
| |
|
|
Business Lending
Columbia Bank provides a full range of financing options to developers, professionals and real estate investors looking to purchase, construct, and renovate existing income-producing real estate.
Benefits of our financing programs for your business are:
- STRENGTHEN COMPETITIVE POSITION - Our loan programs help businesses to obtain the equipment and assets they need to grow or operate more efficiently.
- INCREASE WORKING CAPITAL - Loan options provide additional sources of working capital for rapidly growing businesses.
Products and Services include:
- Construction loans for construction and residential development.
- Land acquisition and development loans
- Secured lines of credit
- Renovation loans
- Term loans
- Letters of Credit
Loan Program features include:
- Fixed and Variable Rates
- Loan Size up to $ 4,000,000.00
- Property Types: Multi-Family, Industrial, Retail, Office, Storage, Mobile Home Parks. Undeveloped Acreage, Churches.
- Loan to Values up to 80%. Will consider 80% in some circumstances.
- Fees: Negotiable
|
| |
| |
Small Business Administration (SBA) Loans
If you need to buy real estate, acquire a new business or franchise, purchase equipment or increase working capital, we can help select the best SBA product for you. SBA loans are government-backed loans that offer many advantages:
- Long-term financing, with flexible terms of up to 25 years
- Up to 90% financing
- Fast, convenient approval
Columbia Bank offers three types of SBA loans:
SBA7 (A) Term Loan
- Maximum loan $ 4,000,000
- Eligible Collateral: Land, Buildings, Machinery,
Equipment, Furniture, Fixtures, Inventory, Working Capital
- Terms from 7 to 25 years
- Rates up to Prime + 2.75%
- Fees from 1% to 2%
SBA LowDoc
- Maximum loan $ 150,000
- Eligible Collateral: Land, Buildings, Machinery,
Equipment, Furniture, Fixtures, Inventory, Working Capital
- Terms from 7 to 25 years
- Rates up to Prime + 2.75%
- Fees from 1% to 2%
SBA 504 Term Loan
- Net Worth must be less than $ 6 million
- Net Profit must be less than $ 2 million
- Create 1 job for every $ 35,000 in funds
- Loans from $ 150,000 to $ 3,000,000
- Eligible Collateral: Land, Buildings-New, Purchase, or Renovation, Machinery and Equipment (10 year life)
- Bank provides 50%, SBA 40% and Borrower 10%
- Rate negotiated between borrower and bank
- SBA loan below market rate and set at time debenture sold in the open market.
|
| |
| Business Vehicle Loans |
| |
Replace an existing vehicle or expand your fleet with a business vehicle loan from Columbia Bank.
- Local lending decisions
- Competitive Rates
|
| |
| Commercial Mortgages |
| |
Build on your business investments with one of our Commercial Real Estate programs. We offer a fixed or variable rates for an initial term of up to 60 months and amortization schedules of up to 20 years depending on property types.
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 |
| |
We’ll work with your business to put together a loan with payment and terms that fix your business needs.
- Secured loans available
- No prepayment penalty
- 12 to 60 months, fully-amortized terms
|
| |
| Line of Credit (Business LineEXPRESS) |
| |
If you need new or used equipment, need quick and convenient financing to make seasonal purchases or cover operating expenses. This business line of credit provides:
- 24 hour approval
- Up front approval for multiple disbursements
- Competitive fixed and variable rates
- No application fees and prepayment penalties
- Financing up to $ 1million
- Checks and Convenient Transfer Access
- Annual Terms
- No Cost on Unused Line Portion –Only pay for what you use.
|
| |
| Builder Lines of Credit |
| |
A line of credit allows your business to have a more affordable way of borrowing. It’s a great way to manage unexpected expenses as well as opportunities.
- Secured lines available
- No prepayment penalty
- A monthly interest-only payment schedule
|
| |
|
