Business & Commercial Lending Solutions

Come explore the possibilities with Ponce De Leon Federal Bank’s Business & Commercial Lending Solutions.

Business Term Loan

For when your Business wants an unsecured term loan up to $250,000 that is easy to apply for, with a repayment schedule to best fit your situation, and fast loan decisions.

  • Simple and quick - Easy application and loan decision ink often in 1-3 days or less.
  • Less Paperwork - Just a few documents to sign and all are provided up front at the time you apply.
  • Easier payment processing - Automatic deduction from your Ponce checking account.
  • Fixed-Term loan - Avoid open-ended borrowing with payments and a payoff schedule you can manage.

Business Equity Installment Loan

For when your Business is ready to take advantage of new opportunities or finance continued growth using the equity in your residential or owner-occupied commercial real estate.

  • Save money - Use real estate equity to secure lower loan rates and longer terms than unsecured loans.
  • Cover your borrowing needs- Wide range of available loan amounts.
  • Easier repayment- Payments automatically deducted from your Ponce DeLeon business checking account.
  • Fixed-term loan - Avoid open-ended borrowing with payments and a payoff schedule you could manage.

Secured Term Loan

For when one-time business expenses require longer term financing, such as equipment or machinery, or special projects that require longer capital commitments; using non real estate assets as collateral.

  • Save money - Use business assets to secure lower loan rates and longer terms than unsecured loans.
  • Covers your borrowing needs - Wide range of available loan amounts.
  • Easier payments - Monthly payments automatically deducted from your Ponce business checking account.
  • Fixed-Term loan - Avoid open-ended borrowing with payments and a payoff schedule you can manage.
  • More collateral options- Use non-real estate business assets.

Business Line of Credit

For when your business is in need of open-ended access to credit for ongoing needs, such as seasonal working capital, inventory management, or managing cash flow.

  • Flexible revolving credit lines starting at $5,000
  • Competitive variable rates based on prime rate
  • Fast, easy access to funds whenever you need them, online, over the phone or in a banking center
  • Pay no interest until you draw funds
  • Pay in full or over time

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