Business term loans
A lump sum with fixed monthly payments, for expansion, hiring, inventory or refinancing higher-cost debt.
Bank Elevated Business
Financing that moves your business forward.
Term loans, lines of credit, SBA, equipment and real estate financing, with a simple online application and a lender who knows your name.
Checking your options does not affect your credit.
Apply in about 15 minutes
Encrypted document upload
Personal loan officer
Built for growing businesses
Loan products
The right financing for every stage
Not sure which fits? Start an application or send us a note and your loan officer will recommend the best option.
Business lines of credit
Revolving access to cash for seasonal swings and short-term needs. Draw what you need and pay interest only on what you use.
SBA 7(a) loans
Government-backed loans with longer terms and lower down payments. Use for working capital, equipment, business acquisition or real estate.
SBA 504 loans
Long-term, fixed-rate financing for major fixed assets such as owner-occupied buildings and heavy equipment, often with as little as 10% down.
Equipment financing
Buy vehicles, machinery or technology with the equipment itself as collateral, so you keep cash in the business.
Commercial real estate
Purchase, refinance or renovate owner-occupied or investment property: offices, retail, warehouses and mixed-use buildings.
Working capital loans
Short-term funding to cover payroll, rent, inventory or a large order while you wait on revenue to come in.
Invoice financing
Turn unpaid invoices into cash now. Advance against your receivables instead of waiting 30, 60 or 90 days to get paid.
Terms shown are common industry ranges for illustration only and are not an offer or commitment to lend. Actual amounts, rates and terms depend on your business, credit and collateral. All loans are subject to credit approval. SBA loans are subject to SBA eligibility requirements and program limits.
How it works
From application to funding, without the paper chase
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Create your account
Sign up with your email and secure your account with two-step verification.
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Tell us about your business
Your business's legal name, a contact phone and what you need the funds for.
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Upload your documents
Drag and drop on desktop or tap to pick on your phone. Every file is encrypted and scanned.
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Talk with your loan officer
Click Submit and your loan officer is notified right away to review and walk you through options.
Be ready
What you'll need to apply
Gather these before you start and you can finish in one sitting. PDF, JPG and PNG files up to 25 MB each.
Corporate formation
Articles of incorporation or organization, operating agreement or bylaws, and your EIN letter (IRS CP 575).
Bank statements
The most recent 3 to 6 months for all business accounts.
Business tax returns
The last 2 to 3 years: Form 1120, 1120-S or 1065 with K-1s.
Personal tax returns
The last 2 to 3 years of Form 1040 with schedules, for each owner.
Your documents are encrypted and scanned for security. Files are stored encrypted, checked for malware, and only your loan officer can open them.
FAQ
Common questions
Which loan is right for my business?
It depends on what the money is for. Lines of credit and working capital loans suit short-term or seasonal needs; term loans and SBA 7(a) loans suit growth and refinancing; equipment, SBA 504 and commercial real estate loans suit long-lived assets. Your loan officer will recommend options after reviewing your application.
Does applying affect my credit score?
Starting an application and uploading documents does not pull your credit. We will ask for your written authorization before any credit check.
How long does it take?
The online application takes about 15 minutes if your documents are ready. Timelines after that depend on the loan type: lines of credit and working capital loans move fastest, while SBA and real estate loans take longer because of appraisals and program requirements.
How is my information protected?
Your account is protected with two-step verification. Uploaded files are encrypted in transit and at rest, scanned for malware, and every access by our staff is logged.
What if I'm missing a document?
Upload what you have and submit. Your loan officer will let you know if anything else is needed.
Talk to us
Have a question first?
Tell us a little about your business and what you're looking for. A loan officer will get back to you within one business day.
Ready to elevate your business?
Start your secure application today. It takes about 15 minutes.