Commercial/Real Estate Loans

Asset-Based Loans are available for medium and large-sized businesses.  Loans are secured by current assets with up to 80% loan to value.  These loans are helpful to finance account receivables and inventory and will assist your cash flow needs.  Asset-Based Loans are typically structured as a revolving line of credit without a scheduled repayment and on an interest-only basis.  We advance funds based on a percentage of  the accounts receivable and inventory and when such assets convert to cash, the advances are repaid accordingly.  You can borrow, re-pay and re-borrow as needed over the life of the loan facility.

We are committed to helping you grow your business. Our secured lines of credit can give your business the additional flexibility it needs by allowing you to finance short-term cash needs to purchase inventory or equipment or even to use it as working capital. Establishing a business line of credit reduces the time you spend on day-to-day cash flow and allows you to focus on your business.

Do you need to modernize your plant, finance a major new equipment purchase, refinance debt or obtain permanent working capital? Our Term Loans can finance fixed assets, the purchase of new machinery or other capital equipment, as well as help you restructure your debt. U.S. Century’s business term loans, with up to five-year maturities, provide you with the funding you need to expand your business and even take advantage of new technology.

Looking to build a new home for your business, a multi-tenant housing project, a warehouse or new retail location, at U.S. Century Bank we can help with construction financing.

Or maybe you just want to “dress up” your current facility or make it more conducive to your current needs, there’s lending options for that too!

A balloon payment approaching, a more favorable interest rate environment…whatever prompts you to seek to refinance an existing commercial real estate loan should lead you to U.S. Century Bank where our experts can help you get the refinancing option that best meets your needs.

All loans are subject to credit approval and product requirements.

Types of Properties

• Single and Multifamily
• Retail
• Mixed-Use
• Office/Industrial/Warehouse