Loans and Lines of Credit

Product	Solution	Benefits	Fees
Business Credit Card Apply Now	Allow your company the flexibility of purchasing on credit while earning great rewards and benefits.	Customize your card to better showcase your business Multiple reward options available Comes with all the benefits of a Visa credit card	No annual fee or low annual fee (waived with minimum annual purchase) credit cards available.
Business Overdraft Protection Apply Now	Have the benefits of available credit for business overdraft protection so your company is covered.	Protection from the unexpected Convenient automatic payments Tiered and variable rates available	$100 set up fee Annual fee after the initial year
Line of Credit Apply Now	A convenient and flexible option to finance working capital requirements. Allows you to draw funds when you need them and repay in line with your business cycle and when you receive payment from customers.	Finance working capital Conveniently access funds Interest only payments available Secured and unsecured options available Strengthen your credit Finance your accounts receivable and meet any unexpected expenses Option to pledge real estate for a longer maturity	$100 set up fee (excluding CD secured)
Letters of Credit Apply Now	Ability to continue business as usual and grow your company through international trade and/or bid and performance bonds.	Offers Standby Letter of credit and Documentary Letter of credit Helps to protect from international trade risks Clarity on contract terms across borders	Contact an Standard Crest Bank banker for more details.
Term Loan Apply Now	A source of financing for long term or one time expenses.	Use loan to finance equipment and other fixed assets Offers flexible repayment options based on loan purpose Up to 100% financing available Use loan to finance equipment and other fixed assets Offers flexible repayment options based on loan purpose Up to 100% financing available	$100 set up fee
Auto Loan Apply Now	Expand your business with the purchase of a new vehicle while minimizing your cash expense upfront.	No down payment Competitive fixed rates Terms available up to 60 months	No fee
Owner Occupied Real Estate Apply Now	Eliminate your rent and build equity.	Can be used to finance owner occupied real estate Long-term financing Competitive fixed or variable rates	1% origination fee Other real estate fees may apply
SBA Apply Now	The Small business Administration (SBA) Loan Guaranty Program provides a supplementary guarantor for a business loan funded by Standard Crest Bank. A source for financing your business and creating permanent working capital. Purchase, construction or expansion of owner-occupied real estate. Purchase of machinery, equipment, furniture, fixtures and leasehold improvements. Business acquisition or partner buy-outs. Debt refinancing	Longer repayment terms Lower down payments – as little as 10% down Lower debt service requirements Flexible collateral parameters Flexible financial and reporting requirements Financing for Exports Competitive rates	Contact an Standard Crest Bank banker for more details.
Factoring/Business Credit Apply Now	Alternative financing that ensures available funds and flexibility	Competitively priced programs compared to independent factoring companies Simple, uncomplicated programs Ability to strengthen your credit Interim financing that can lead to a traditional banking relationship	Specific fees apply