Business and Commercial Lending Services

Valley Green Bank has the local decision-making process and quick response that businesses seek in a banking partnership. Our commercial products and services are designed to help businesses of all sizes prosper and grow.

We are committed to meeting your needs. If you are looking for ways to borrow and easier ways to bank with helpful, experienced professionals, you'll find that Valley Green Bank has the traditional and specialized solutions for you and your business. We offer a wide range of services including:

Commercial Lending

  • Working capital lines of credit
  • Short-term and seasonal loans
  • Equipment term loans/equipment revolvers
  • Construction loans (owner-occupied and investor real estate)
  • Commercial real estate lines of credit and mortgages

Business Banking Services

Small Business Lending Services
Valley Green Bank understands the unique challenges of small business owners particularly if they are having difficulty accessing conventional financing. Valley Green Bank works with the Small Business Administration (SBA), Philadelphia Industrial Development Corporation (PIDC), and South Eastern Economic Development Corporate of Pennsylvania (SEEDCOPA) to provide partially guaranteed lending packages designed to meet your banking needs. Our management is local, thus capable of making quick, timely decisions on conventional and guaranteed loan products. This is a winning combination to best serve our customers.

PIDC Emerging Business Guarantee Program

  • 50% guarantee up to $500,000
  • Minimum loan amount of $100,000
  • Fixed and variable rates
  • Term loans of up to 5 years and lines of credit
  • Funds can be used for short- and long-term working capital, machinery and equipment acquisitions, owner-occupied real estate (renovations, new construction, acquisition), and leasehold improvements
  • Eligible for any small business or nonprofit located or planning to locate in Philadelphia (for more information go to www.pidc-pa.org)

SBA 7(a) Loan Program with SEEDCOPA

  • 85% guarantee on up to $5,000,000
  • No minimum; maximum loan amount of $5,000,000
  • Fixed and variable rates
  • Term loans of up to 25 years for real estate, up to 10 years for equipment (depending on the useful life of the equipment) and generally up to seven years for working capital
  • Funds can be used for short- and long-term working capital, machinery and equipment acquisitions, owner-occupied real estate (renovations, new construction, acquisition), leasehold improvements, establish a new business, refinance existing business debt (under certain conditions)
  • Eligible for nearly any small (as defined by SBA) for-profit business (for a complete understanding of eligibility go to www.sba.gov)

SBA 504 Loan Program

  • Typical structure of 50%/40%/10% whereby 50% of project is financed by bank, 40% of project financed by SBA, and 10% equity provided by borrower
  • No minimum; maximum loan amounts of up to $4,000,000 to $5,000,000 (depending on use and industry sector)
  • Adjustable fixed rates pegged the 5- and 10-year United States Treasury Rates
  • Funds can be used for purchase of land, buildings, and improvements, construction of or renovation to owner-occupied facilities, purchase of long-term machinery and equipment
  • Eligible for nearly any small (as defined by SBA) for-profit business (for a complete understanding of eligibility go to www.sba.gov)

Contact us today at 215-242-3550 to schedule a meeting with one of our business lending specialists and learn about your borrowing options.

 

Mt. Airy

7226 Germantown Ave
Philadelphia, PA 19119
(215) 242-3550
Monday - Friday
8 a.m. - 6 p.m.
Saturday
9 a.m. - 1 p.m.

Chestnut Hill

23 W Highland Ave
Philadelphia, PA 19118
(215) 242-1550
Monday - Friday
8 a.m. - 6 p.m.
Saturday
9 a.m. - 1 p.m.

South Philadelphia

1536 S. Broad Street
Philadelphia, PA 19146
(215) 462-2265
Monday - Friday
8:30 a.m. - 5 p.m.
Saturday
9 a.m. - noon

Radnor

(Commercial Loan Office only)
100 Matsonford Rd #312
3 Radnor Corporate Center
Radnor, PA 19087
(610) 995-2265
Monday - Friday
8:30 a.m. - 5 p.m.

Center City

(Commercial Loan Office only)
2000 Market St Suite 700
Philadelphia, PA 19103
(215) 569-2265
By Appointment

FDIC Notice: Transaction Account Guarantee Program For complete information about FDIC Deposit Insurance Limits click here

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