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VCB offers a full array of commercial loan products with very competitive rates and terms including: working capital lines of credit, term loans, commercial mortgages for income-producing properties, construction loans, government receivables financing and SBA-guaranteed loans.
- Client accounts receivable or inventory support
- Seasonal cash flow support
- Government contract receivable support
- Competitive variable or fixed interest rates set annually
- Revolving interest only reviewed annually
- Check access
- Credit limit of $10,000 to $100,000
- No annual rest period
- Five year term
- Competitive variable interest rate
- Permanent working capital for business expansion or capital investment
- Repayment term out to seven years
- Competitive variable or fixed interest rates
- 100% financing
- Competitive fixed interest rate
- Repayment term out to five years
- Competitive variable or fixed interest rates often less than other SBA guaranteed lenders
- Owner occupied or income producing properties — multi-family, office retail, warehouse, special use
- Up to 80% LTV
- Up to ten year term with 25 year amortization
- Competitive variable or fixed interest rates
- Low points and fees
- Residential or commercial
- Construction to permanent (one-time settlement)
- Competitive variable or fixed interest rates
- Low points and fees
- Term out to 18 months
- Up to 85% LTC
- Residential or commercial
- Competitive variable interest rates
- Low points and fees
- Term out to three years
- Up to 75% LTC
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