Business Loans

Ponce Bank offers business loans for all types of businesses. Let's find yours.
  • Fit For Your Business
  • Variety of Products
  • Bank With Purpose
Frame 1321315002 (2)

Business Loans and Lines of Credit

Ponce Bank offers a variety of secured or unsecured business lending products whose proceeds can be used for:

  • Operating Cash Flow
  • Unexpected Expenses
  • Business Improvements
  • Business Expansion
Schedule a Consultation

Unsecured Term Loans

Take out loans up to $250,000 without the need for collateral. A fixed-term loan with a payment schedule that you can manage.

Secured Term Loans

 For one-time business expenses that require longer term financing, or special projects that require longer capital commitments, you can use non-real-estate assets as collateral.

Lines of Credit

When your organization needs open-ended access to credit for ongoing needs, such as seasonal working capital, inventory management, or simply managing cashflow.
Frame 1321315002 (7)

SBA 7(a) Loan

Is your small business looking to purchase real estate or refinance?
 
Are you thinking about expanding your business or completing a partner buy-out/business acquisition?

The Small Business Administration 7(a) loan program offers flexible terms with a fully amortizing loan and low monthly payments to help your business with all its needs!
Schedule a Consultation
Frame 1321315002 (3)

SBA 504 Loan¹

Are you looking to expand, purchase, or refinance debt associated with a property?

Is your business looking to purchase heavy equipment for your small business? The SBA 504 loan requires only a 10% borrower contribution and offers fixed rate financing with a longer term then conventional options!

Startup and special-purpose properties may require an additional contribution from the borrower.
Schedule a Consultation
Frame 1321315002 (1)

Commercial Real Estate Loans

We believe quality real estate investment can anchor a neighborhood, priming it for prosperity and helping the community to grow and its residents to thrive.
Frame 1321315006

Construction Development Loans

We have over 60 years of construction lending experience in the tri-state area. We’re proud to help real estate developers convert their vision into reality.
Schedule a Consultation
63dd5eb6bb1048b0ccf552e2_iStock-1168618923

Our Commercial Relationship Officers

Will provide a high level of expertise during a one-on-one consultation.

Schedule a Consultation

Are you ready to take the reins
and secure your financial future?

Our Financial Mastery Series is not just about managing your money;
it is about unlocking your full potential and achieving your dreams!

66ec4b7ae95441826aa1bd1d_Bldg-p-1600

Small Business Lending

Is your small business looking to purchase real estate or refinance?
Learn more
63a93ce260216a5b599c68a4_Image

Small Business Bootcamp

A comprehensive program designed by Ponce Bank to assist small business owners and aspiring entrepreneurs looking to start their businesses.
Learn more
66c75446d43e137cfbbf558a_Webinar-1

Non-Profit Grassroots

A valuable resource that assists local nonprofits in developing skills, maximizing impact, and growing capacity.
Learn more

All loans are subject to credit approval, eligibility, and program requirements and does not constitute an offer to extend credit. Terms and conditions are subject to change without notice.

1 SBA loan programs are governed by the Small Business Administration, and terms, rates, and conditions may vary. For more information on the SBA Certified Lenders Program, visit SBA.Gov.