Helping your business is our mission. We’re making the difference in local business communities by offering flexible and competitive financing solutions.

Our team of lending professionals brings years of credit experience, a “can do” attitude and highly personalized attention in quickly responding to your needs with specialized commercial loan solutions.

Whether you're self-employed, manage a small business, or lead a large corporation or non-profit organization, we have financing options designed to help you achieve your goals.

Working Capital Lines of Credit	When your daily business relies on immediate access to cash, a variable rate revolving line of credit can give you flexibility to keep pace with fluctuations in: Accounts receivable Inventory Seasonal cash flow
Secured Business Line	Accessing funds is convenient with our three-year revolving credit line from $25,000 up to $500,000, featuring extended maturities, no annual rest period and a competitive variable interest rate.
Government Contract Financing	Our experienced Government Contract specialists can help enhance your contract performance by delivering competitive rates and flexible custom loan programs that can include working capital lines of credit supported by working capital lines, acquisition loans, letters of commitment for planned equipment purchases and more. Learn more about VCB's Government Contract Financing.
Letters of Credit	To make a security deposit or guarantee a payment without tying up your cash, a letter of credit is a great solution.
Term Loans	We provide custom repayment terms to meet your business needs, with either fixed or variable rates for permanent working capital, business expansion or investment.
Equipment Loans and Leases	Do you need to finance the tools of your trade? Find out more about VCB’s equipment leasing services, featuring 100% financing, competitive interest rates and flexible repayment terms up to seven years.
SBA Loans	VCB’s responsive, knowledgeable SBA specialists provide competitive rates on loans backed by the Small Business Administration for business expansion, capital expenditures and ownership of real estate under the 7(a) and 504 programs. VCB is approved to offer SBA loan products under the SBA’s Preferred Lender program.
Commercial Real Estate Loans	Acquire or refinance office, retail, warehouse, multi-family and special use properties by taking advantage of: Up to 80% loan-to-value on owner-occupied properties Up to 75% loan-to-value on income producing properties Up to 10-year term with 25-year amortization Competitive variable or fixed interest rates Low points and fees
Construction Loans	We can finance construction, renovation or expansion for owner-occupied buildings or income-producing properties, including multi-family, office, retail, warehouse or special use. Benefit from: Competitive fixed or variable interest rates Low points and fees Terms out to 18 months Up to 85% loan-to-cost
Acquisition/Development Loans	When you need to acquire and develop land before construction, we can help you with a competitive-rate residential or commercial loan, featuring low points and fees, terms out to three years and up to 75% loan-to-cost.

Are you ready to get a great loan to build your business? Call (877) 822-5015 or
use our locator to find a conveniently located commercial lending office and enjoy
our outstanding customer service. Or let us contact you.