Business Lines of Credit

Need Access to Cash?
Consider a Business Line of Credit.

With convenient access to credit, you can finance a new revenue stream without using business or personal credit cards or borrowing from your savings. 

Working Capital Lines of Credit
  • Revolving lines of credit to fund general working capital needs, including accounts receivable and inventory
  • Borrow and repay funds at your convenience
  • Possible collateral for secured lines includes business assets, real estate, deposit accounts, and securities. Secured lines may offer lower interest rates depending on your business profile and credit history. Real estate secured lines specifically may offer higher credit limits.
  • Unsecured lines may be available, based on your personal and business credit history and cash flow. Unsecured lines may have lower credit limits and higher interest rates.

Business Equity Lines of Credit
  • Flexible, revolving lines of credit secured by the equity in your business property
  • Leverage the equity in your commercial real estate to work for you
  • Borrow and repay funds at your convenience
  • Interest only payments may be available depending on loan amount
  • Lines available in first or second lien position up to 75% of your property’s value
 
Revolving Lines of Credit
A flexible way to borrow cash for your small business. Revolving lines of credit are perfect for managing seasonal business fluctuations, inventory purchases and day-to-day operations.
 
Questions about applying for a business loan or line of credit?
Contact our business loan team and we’ll be happy to assist you. 
Email businessloans@rivervalleybank.com, 
call 1-888-842-0221 or use our secure Contact Us form.

Business Basics: Learn how businesses use credit.    Interactive Video

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