Business and Commercial Lending Services

Our team of local lenders is dedicated to getting to know your business and providing you the financing you need.  We offer a wide range of loan solutions, local decision-making, professional service and the quick response you need to grow your business.    

Real Estate Loans
Mortgage and lines of credit for investment real estate, owner-occupied and investor construction lending.

Other Business Lending Solutions 

  • Term loans
  • Lines of credit
  • Visa® credit cards

Small Business Loans 
We understand the unique challenges of small business owners particularly if they are having difficulty accessing conventional financing. We work 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.

PIDC Emerging Business Guarantee Program
PIDC loans are available for any small business or non-profit organization located or planning to locate in Philadelphia. 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.

  • 50% guarantee up to $500,000
  • Minimum loan amount of $100,000
  • Fixed and variable rates
  • Term loans available up to 5 years
  • Lines of credit available

For more information, please visit www.pidc-pa.org.

SBA 7(a) Loan Program with SEEDCOPA
SBA 7(a) loans with SEEDCOPA are available for nearly any small for-profit business as defined by SBA.  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, establishing a new business, or refinancing existing business debt (under certain conditions).

  • 85% guarantee on up to $5,000,000
  • Maximum loan amount of $5,000,000
  • Fixed and variable rates
  • Term loans available up to 25 years for real estate and 10 years for equipment (depending on the useful life of the equipment), and generally up to seven years for working capital

For a complete understanding of eligibility, please visit www.sba.gov.

SBA 504 Loan Program
SBA 504 Loans are available for nearly any small for-profit business as defined by SBA.  Funds can be used for to purchase land, buildings, long-term machinery or equipment, make improvements, or construct or renovate owner-occupied facilities.

  • Typical structure of 50/40/10 whereby 50% of the project is financed by bank, 40% of the project is financed by the SBA, and 10% equity provided by borrower
  • Maximum loan amounts of up to $5,000,000 (depending on use and industry sector)
  • Fixed and variable rates based on current market rate for 5 and 10-year United States Treasury Bonds

For a complete understanding of eligibility, please visit www.sba.gov.

Equipment Leasing
Finance necessary equipment while managing cash flow and preserving credit lines.

Contact us today at 215.242.3550 to schedule a meeting with one of our business lending specialists and learn about your borrowing options.

 
Equal Opportunity and SBA Preferred Lender

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

©Valley Green Bank a Division of Univest Bank and Trust Co.

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