With deep expertise in many lines of business, Cornerstone Bank is preferred by many entrepreneurs. We understand that flexibility and creativity can make a world of difference. We have the money to lend and a team of dedicated professionals- right here in your community – to help your business succeed.
Equipment & Vehicle FinancingLeave your capital and credit lines available for operational expenses. Finance your equipment purchases with a loan specifically designed to cover the cost of new or used equipment.Learn More
Equipment/Vehicles
- Flexible Terms
- Competitive Rates
- SBA (7A)
Please contact us today for more information.
Lines of Credit / Working Capital LoansObtaining capital can be difficult for many businesses. A Working Capital loan can provide the cash your business needs to keep growing until revenues increase to cover all the operating expenses.Learn More
Lines of Credit
- Working Capital Purposes
- Guidance Facilities
- SBA (7A & Express)
Please contact us today for more information.
Commercial Real EstateLooking to acquire a new commercial property or refinance an existing property? With unparalleled knowledge and years of experience our Lenders can assist you with simplified underwriting and competitive rates.Learn More
Owner-Occupied Real Estate
- Flexible Terms
- Competitive Rates
- Flexible Down Payment Terms
- SBA (7A & 504)
- Office, Retail, Industrial, Multi-Family and Mixed Use
Please contact us today for more information.
Investment Real Estate FinancingPlanning to refinance your multifamily property or acquire an investment property? Cornerstone Bank’s financing is ideal. The process is simplified. With unmatched performance and competitive rates, you will save time and money. Learn More
Investment Real Estate
- Flexible Terms
- Competitive Rates
- Flexible Down Payment Terms
- Office, Retail, Industrial, Multi-Family and Mixed Use
Please contact us today for more information.
SBA Lending SolutionsAs a Preferred Small Business Administration (SBA) Lender, Cornerstone Bank is able to provide creative financial solutions for your business borrowing needs.Learn More
As a Preferred Small Business Administration (SBA) Lender, Cornerstone Bank is able to provide creative financial solutions for your business borrowing needs.
Cornerstone Bank was awarded Preferred Lender status by the SBA due to our active and expert participation in SBA lending. We’re committed to helping to provide small businesses with long term capital by originating and servicing small business loans through the loan guarantee programs of the United States Small Business Administration.
At Cornerstone Bank, our professional staff is efficient, responsive, and flexible. Our current portfolio includes companies from most industries and professions. As a participant in SBA’s Preferred Lender Program, we’ll make the loan application quick and simple. We provide local decision making and timely responses regarding qualification to apply for a SBA guaranteed loan. Benefits of an SBA loan include the ability to secure long term financing (no balloon payments), flexible program requirements, longer amortization, and easy accessibility to financing thanks to the SBA guaranty.
SBA loans fund a variety of business needs including:
- Business acquisition
- Fixed asset purchases – computers, equipment, vehicles, and machinery
- Business expansion and permanent working capital
- Start-up business expenses
- Refinance of existing debt
We’re experts in owner-occupied real estate financing:
- Improve cash flow
- Save money
- Purchase or refinance your commercial property
- Build equity
Cornerstone Bank currently participates in these SBA programs:
- SBA 7a – The 7a loan program has flexible parameters to accommodate most requests. A 7a loan cannot have a revolving provision and the maximum loan size is generally up to $5 million.
- SBA Express – An SBA Express loan provides businesses and lenders a streamlined method to obtain SBA-backed financing for loans and lines of credit up to $350,000. Lenders use their own credit decision process and loan documentation; SBA provides an expedited eligibility review and provides a response within 24 hours.
- The SBA Export Express Program provides exporters and lenders the ability to obtain SBA-backed financing for loans and lines of credit up to $500,000.
- SBA 504 – The 504 program is intended for fixed assets such as real estate purchases, construction, and machinery and equipment purchases. This program enables the borrower to provide a low equity injection with a fixed rate term.
- Working Capital Lines – Revolving lines of credit with annual renewal availability up to 10 years. Maximum loan size is $5,000,000. Loan must be fully collateralized or structured with a borrowing base.
We will work with you to complete all the paperwork and create a financing package that suits your unique business needs. For more information on how an SBA loan could help your business, or to ask about a loan, please contact a lender near you.
