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Loans & Lines of Credit 
 
Whatever your business loan needs might be - buying a building, buying new equipment, or even expanding, we're ready to lend you money. With our flexible lines of credit and competitive term loans, Huron Valley State Bank provides the resources to help you make the most of every opportunity. Apply now!

Commercial Lines of Credit
A commercial line of credit is designed to provide your business with the liquidity it needs when cash flow gets tight. Interest is only paid on the funds you borrow. Principal repayment is based on your company's cash flow and your availability can be accessed throughout the term of the loan.

Construction Lines of Credit / End Loan Financing
Construction financing is available for owner-occupied and non-owner occupied properties. You only pay interest on the funds being borrowed to pay the contractors as the project progresses. Huron Valley State Bank pre-approves the end financing to term out the construction loan when construction is completed and cash flow is being generated from the property.

Commercial Term Loans and Notes
We have a variety of loan programs to help with your capital needs. A term loan can spread the repayment of the loan over a specified number of years. A note allows you to borrow funds against a proven and definite source of repayment, with a term of less than one year.

Commercial Real Estate
We offer mortgage loans with amortizations up to 15-20 years. These loans can be used to purchase or refinance anything from a single family investment property to that large commercial office building, warehouse, or shopping center.

SBA Loans
Huron Valley State Bank is committed to helping small businesses. We have established a relationship with the U.S. Small Business Administration that allows us to suit your short-term and long-term borrowing needs as follows:

SBA 7a
Loans to start-up, purchase, expand or refinance businesses. Proceeds can be used to purchase a business, equipment, real estate, inventory or for working capital or leasehold improvements. Collateral can consist of real estate or business assets. Terms are up to 7 years for working capital, 10 years for equipment and 25 years for real estate.

SBAExpress/Community Express Loans
SBAExpress is available for loans and lines of credit up to $350,000. The bank underwrites the loans for a quick turnaround.


SBA 504 Loans Program

Lower down payment and 20 year fixed financing for a portion of your real estate acquisition or renovation.