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Lending


Expand your Business with Business Loans

Central Bank makes it easy to expand your business with our Business Loan options.  We make loan decisions locally, so you can easily and quickly have access to additional funds if the need arises.  We offer a wide range of Business Loans, including:
  • Lines of Credit
  • Term Loans
  • Real Estate Loans
  • Interim Construction Loans
  • Factoring

Our lending officers individually underwrite Business Loan requests.   The following information may be requested depending upon the size and nature of the loan:

  • Loan Application
  • Three-year history of fiscal year-end financial statements and/or tax returns
  • Interim financial statement
  • Personal financial statement and cash flow of business owner or owners
  • Two-year history of personal tax returns

Additionally, Lines of Credit may require a listing and aging of accounts receivable and a listing and itemization of inventory items. 

Real Estate Loans may also require the following additional information; purchase contracts, title commitments, surveys, flood hazard information, rent roll information and property operating statements.

Construction loans may also require the following additional information: construction contract, contractor qualifications, plans and specifications, cost and draw schedule and builder’s risk insurance.