Business Loans and
Lines of Credit

Peoples Bank has been helping businesses grow for over 120 years. From expansions to equipment, our experienced commercial bankers will walk you through customizable funding options like business lines of credit and business loans with fixed rates to get the funding for what’s important to you.

Business Lines of Credit

Get the working capital you need for sudden expenses, cash-flow needs or major purchases. Business Lines of Credit allow you quick and easy access to your available funds. Peoples Bank offers customized structures to best meet your needs, flexible rates and terms, online transfer of funds, check-writing access and multi-year renewable terms.

Letters of Credit

Commercial Letters of Credit are best for businesses who need help purchasing goods or inventory for import or export internationally. Commercial Letters of Credit allow you the flexibility to make purchases on demand while providing a safe and secure way to access funds.

Real Estate Loans

Purchase land or buildings your business needs as it grows. A commercial Real Estate loan can also help you refinance existing Peoples Bank loans or even loans from other lenders to obtain better terms. Real Estate loans offer flexible rates and terms, one-time lump sum for purchases, disbursed funds throughout building project for real estate construction loans and fully amortizing and balloon payment options.

SBA Loans
Preferred Lender Program

Small Business Administration (SBA) loans offer easier qualification, longer loan terms and lower down payments. Whether you’re looking to expand your business, conserve cash or get started owning a business, we will show you how to put an SBA loan to work for you.

Letters of Credit

Standby Letters of Credit assure that sellers get paid and buyers receive the promised deliverables. Essentially, it acts as a type of insurance in case your business is unable to deliver.

Term Loans

Term Loans give you the ability to finance several projects, like property acquisition and equipment, using multiple different loan structures. Term loans give you a fixed rate for the life of the loan, which makes for predictable monthly payments.

USDA B&I Loans

USDA Business and Industry (B&I) Loans target both for-profit and non-profit entities and can be used for the purchase of building(s), equipment or properties, debt refinancing and acquiring/expanding your business(es). As a USDA lending partner, Peoples Bank offers up to 30-year terms on real estate loans, up to 15-year terms on equipment loans, fixed and variable rate options and interest-only options.

Explore our full suite of business products.

Business Checking Accounts

Discover Peoples Bank’s Business Checking accounts and services we offer to help your business grow.

Business Savings Accounts

Explore Peoples Bank’s business savings account options to determine which account is best for your business.

Business Insurance

We have 100+ insurance specialists ready to protect and support your business and offer the solutions you need.

Employee Benefits

We can assist you with obtaining dental, group, individual and vision insurance, HSAs and so much more.

Industry Solutions

We have bankers with industry knowledge and experience who will work one-on-one with you to find a custom solution to dealership and franchise financing.

Treasury Management

Meet your short-term goals, improve cash management, create an efficient employee payroll and sustain your long-term financial health.

Retirement Plan Services

We work with employers to determine the best benefits for big and small businesses with options like 401(k)s, Profit Sharing Plans, and Simple IRAs.

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