What is Community Lending?

           
  

At Valley, we understand that your business is a valued part of the community. We’re committed to helping underserved businesses like yours through development and innovation. We look at your growth potential rather than your current size in determining how we can help drive your long-term growth.

 

We know that as a small business, you might feel overlooked by banks—especially if you’re a minority-owned business. We also know that your size and current financial status don't speak for your history, your story or your positive impact on the community yet it feels like these are the characteristics by which you’re judged as a business. 

     
   
   

Line of Credit

       

Vehicle Loan

       

Equipment Loan

       



 

Community Lending Benefits:

  • Assess you and your business, offering our opinions and guidance about how to best move forward.

  • Connect you and your business to valuable resources in the not-for-profit community and a valuable business network that will help aid in your growth.

  • Help you develop a credit profile that will lead to access to the capital you need to build and expand your business.

  • Establish and build your financial footprint with basic bank services such as checking and savings accounts and the merchant services that will allow you to efficiently accept payments from your customers.


  

 

Community Lending Solutions

   
   
   
   Woman with credit card  

Business Credit Card

Whether you’re working on building your business and credit or you’re already established, we’ve got a card for you. See our rates and terms

  • 1% unlimited cash back

  • 0% introductory APR on purchases for first 9 months​

  • No annual fee

  • Online account access with fraud protection

     

        Contact a Specialist

   

   
  
Worker in bakery  

Debt Consolidation

Trade in your high-rate start-up debt by consolidating with a Business Term Loan.

  • Minimum loan: $5,000 – Maximum $100,000

  • Fixed rate for life of loan

  • Manageable fixed monthly payment

  • No prepayment penalty

   

        Contact a Specialist




      Managing documents  

Fixed Rate Term Loan

Improve cash flow and allow your business to retain a greater percentage of the profits.

  • Minimum loan: $5,000 – Maximum $100,000

  • Fixed rate for life of loan

  • Manageable fixed monthly payment

  • No prepayment penalty

   

        Contact a Specialist

   

   
  
Happy shop owner posing at store  

Line of Credit

Take advantage of trade discounts and provide capital to take on new clients

  • Minimum loan: $5,000 – Maximum $100,000

  • Rate: Variable rate tied to WSJ prime

  • Monthly P&I payments on outstanding balance based on 60 months term

  • Overdraft protection

  • No annual clean-up

   

        Contact a Specialist




      Vehicles parked  

Vehicle Loan

With competitive rates and fast credit decisions, we can put you in the driver’s seat of your new car today.

  • Easy application process

  • Quick decision process

  • Competitive pricing

  • Fixed rates for new model vehicles - Terms up to 84 months

  • Fixed rates for used vehicles - Terms up to 60 months

  • Truck financing available

     

        Contact a Specialist

   

   
  
Man working with equipment  

Equipment Loan

Take advantage of low upfront costs when you finance your commercial vehicles and/or equipment.

  • Minimum loan: $5,000 – Maximum $100,000

  • Up to 100% LTV new equipment

  • Up to 75%LTV for used equipment

  • Purchase new, or used equipment at competitive rates

  • Fixed rate for life of loan

     

        Contact a Specialist

 
  

     

Our Community Lending Adviors



    
Luis DeLaHoz
 

Luis DeLaHoz
Regional Director of Community Lending
732-763-8293
LDeLaHoz@valley.com


 
Thais Sullivan
    

Thais Sullivan
National Director of Community Lending
561-252-9002
TSullivan@valley.com


 
Michael Warrington
    

Michael Warrington
Community Lending Sales Manger646-329-0551
MWarrington@valley.com


 
Martine Pierre-Paul
    

Martine Pierre-Paul
Regional Director of Community Lending FL/AL
561-351-0219
MPierrePaul@valley.com


 


   
 

      

Contact Us Today



    
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