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.
Community Lending Benefits:
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Assess you and your business, offering our opinions and guidance about how to best move forward.
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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.
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Help you develop a credit profile that will lead to access to the capital you need to build and expand your business.
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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
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
Contact a Specialist
Debt Consolidation
Trade in your high-rate start-up debt by consolidating with a Business Term Loan.
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Minimum loan: $5,000 – Maximum $100,000
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Fixed rate for life of loan
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Manageable fixed monthly payment
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No prepayment penalty
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Valley Business Checking Account required
Contact a Specialist
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Fixed Rate Term Loan
Improve cash flow and allow your business to retain a greater percentage of the profits.
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Minimum loan: $5,000 – Maximum $100,000
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Fixed rate for life of loan
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Manageable fixed monthly payment
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No prepayment penalty
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Valley Business Checking Account required
Contact a Specialist
Line of Credit
Take advantage of trade discounts and provide capital to take on new clients
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Minimum loan: $5,000 – Maximum $100,000
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Rate: Variable rate tied to WSJ prime
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Monthly P&I payments on outstanding balance based on 60 months term
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Overdraft protection
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No annual clean-up
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Valley Business Checking Account required
Contact a Specialist
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Vehicle Loan
With competitive rates and fast credit decisions, we can put you in the driver’s seat of your new car today.
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Easy application process
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Quick decision process
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Competitive pricing
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Fixed rates for new model vehicles - Terms up to 84 months
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Fixed rates for used vehicles - Terms up to 60 months
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Truck financing available
Contact a Specialist
Equipment Loan
Take advantage of low upfront costs when you finance your commercial vehicles and/or equipment.
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Minimum loan: $5,000 – Maximum $100,000
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Up to 100% LTV new equipment
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Up to 75%LTV for used equipment
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Purchase new, or used equipment at competitive rates
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Fixed rate for life of loan
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Valley Business Checking Account required
Contact a Specialist
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Our Community Lending Advisors
Contact Us Today