Commercial Term Loans & Lines of Credit
Whether it’s a specific financing need or having access to more capital to help your business grow, we offer a variety of commercial and small business loans. Through a consultative process with your Commercial Loan Officer, we take the time to understand your business, your industry, and your challenges. Together, we would be delighted to assist you in making your goals for growth and continued success a reality!
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Plan for long-term growth with a Commercial Term Loan
When your business has a defined purchase, project, or refinancing need, a Commercial Term Loan can provide structured financing with repayment terms designed around your business plan.
Longer term loan (5-7 years) financing available for expansion projects, equipment purchases, commercial vehicle purchases, existing debt refinancing, or building improvements
Tailored and anticipated repayment terms over a fixed period of time
Fixed or floating interest rates
Secured by collateral that may include business assets such as vehicles, equipment, inventory, and accounts receivable
Access working capital with a Commercial Line of Credit
A Commercial Line of Credit can help your business manage cash flow, seasonal expenses, inventory needs, or other short-term operating costs with flexible access to funds when you need them.
Variable rates and lines of credit in amounts suitable to your business operating needs
Monthly payments range from required interest only with the option of paying principal and interest to better fit your operating cash flow
Terms of up to two years if applicable
Access and control of the line of credit is in your hands with convenient ways to advance funds from the line or pay down the outstanding balance through our Online Banking and Treasury Management services
Acquire or refinance a commercial building with a Commercial Mortgage Loan
If your business is ready to purchase or refinance a property it occupies, a Commercial Mortgage Loan can help support that investment with longer-term financing options.
Longer fixed terms of 5 to 7 years amortized over 20 to 25 years to make monthly payments flexible in order to meet your budget
Monthly principal and interest payments required
Fixed or floating interest rates
Secured by a first mortgage lien on the real property being financed. The real property must be owner occupied with a related owner occupant tenant business. Typical property types include industrial buildings, warehouses, distribution centers, manufacturing facilities, or other owner occupied building types.
Loan amounts vary up to a maximum of 75% loan to value after bank approved property appraisal has been conducted. Speak with your loan officer for more details.
Do You Own a Business Generating up to $1 Million in Revenue and Need Working Capital?
Kearny Bank’s Small Business Express Loans provide you the financial flexibility you need to succeed.
FAQs
Find answers to common questions about Kearny Bank and our services.
Business credit lines are often used to help businesses manage short-term cash flow needs and cover expenses as they come up. Common uses include purchasing inventory, managing seasonal slowdowns, covering payroll, paying vendors, handling unexpected repairs, or taking advantage of growth opportunities.
Because a line of credit provides flexible access to funds, it can be especially helpful when revenue and expenses do not line up perfectly. Securing one before you need it may also give your business added financial flexibility during slower periods or unexpected challenges.
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How to Apply for a Business or Commercial Loan
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