Whether you need a loan for business expansion, or a small auto loan, we have loans to meet your needs. Talk to any of our knowledgeable loan officers today! Thank you for banking with us! We're a Member of FDIC & an Equal Housing Lender

Commercial Loans

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We offer a full array of Commercial Loan Products* designed to meet your needs by bankers who know this community well. This is more than a market area to the Directors, Officers, and Employees of this bank. This is our home and that is why a good portion of the earnings from loans and deposits are reinvested right back into our community. Our lending decisions are made here, by a local Lending Board, not by officers in another state who only review credit scores without ever meeting the customer. This in turn provides our customers with faster lending decisions and personalized service.

Our experienced commercial lenders are happy to discuss any questions that you might have. Call us at 407-365-6611 or stop by any of our offices to talk with a loan officer about your specific financial needs. Our applications are available on the “Loan Forms” tab.

Commercial Loan Services

Equipment Lending

  • Loan amount up to 75% of window sticker for new equipment
  • Simple interest, amortizing loan
  • Competitive interest rates

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Lines of Credit

  • Secured & Unsecured
  • Interest accrued on outstanding balance only
  • Line advance checks supplied at closing

Capital Loans

  • Up to 70% financing
  • Secured & Unsecured

Construction Loans

  • Loans up to 1 year term
  • Interest accrued on outstanding balances only
  • Converts to permanent without extra costs
  • Third party draw inspections
  • Free construction deposit account

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Permanent Long Term Commercial Mortgages

  • Types: Warehouse, Office Professional, Retail Buildings, Industrial, and Multi-Tenant Buildings
  • Up to a 20-year amortization
  • Flexible fixed and variable rates
  • Local approval and closings

Miscellaneous Business Services

  • Business Letters of Credit
  • Internet Banking
  • ACH Origination
  • Merchant Credit Card Processing
  • Citizens Remote Deposit

* Disclosure: 
The trade area of this bank shall be considered Seminole County and Orange County, Florida.  

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