Business Loans & Lines of Credit
Fuel growth with flexible Business Loans and Lines of Credit.
Our customized Business Loans and Lines of Credit can help you manage cash flow, expand operations or explore new opportunities. Peoples Bank has the solutions to support your need for working capital, equipment financing or revolving lines of credit.
Explore Peoples Bank’s Lending Solutions
Business Lines of Credit
Get the working capital you need for sudden expenses, cash flow or major purchases. Peoples Bank’s Business Lines of Credit allow you quick and easy access to your available funds. We offer customized structures to meet your needs best, flexible rates and terms, online transfer of funds, check-writing access and multi-year renewable terms.
SBA Loans (Preferred Lender Program)
SBA Loans offer small business financing solutions with streamlined approval, making it easier to qualify with lower down payments and extended loan terms. Whether you need startup capital to launch your business, funds to expand or cash flow support, Peoples Bank’s SBA Loan options are designed with your goals in mind.
Real Estate Loans
Real Estate Loans offer flexible rates and terms, a one-time lump sum for purchases, disbursed funds throughout the building project for real estate construction loans and fully amortizing and balloon payment options. A Commercial Real Estate Loan can also help you refinance existing Peoples Bank loans and loans from other lenders to obtain better terms.
USDA Business & Industry Loans
USDA Business and Industry Loans can be used to purchase buildings, equipment, properties, debt refinancing and acquiring or expanding your business. As a USDA lending partner, we offer 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.
Commercial Letter of Credit
Commercial Letters of Credit are best for businesses that need help purchasing goods or inventory for import or export internationally. Commercial Letters of Credit offer flexibility for on-demand purchases while providing essential risk mitigation, ensuring a safe and reliable way to access funds for global trade.
Standby Letter of Credit
Standby Letters of Credit provides a payment guarantee, ensuring that sellers are compensated while buyers receive the promised deliverables. Essentially, the Standby Letter of Credit serves as a bank guarantee, offering risk mitigation by protecting parties in the event that a business cannot fulfill its obligations.
Term Loans
Term Loans provide the ability to finance various projects, such as property acquisition and equipment purchases, through multiple loan structures. With a fixed interest rate for the entire loan term length, you can enjoy predictable monthly payments, supporting your business growth effectively.
A partnership built to last.
For over 120 years, Peoples Bank has been dedicated to helping businesses thrive. Peoples Bank business and commercial bankers are proud to serve Ohio, Kentucky, West Virginia, Virginia, Maryland and Washington D.C. We understand there is no one-size-fits-all approach to financing. We listen closely, identify your needs, and then customize financial solutions to best support those goals.
Our commercial bankers are more than just financial experts – they’re committed advisors who are here to support and celebrate your success. We’re here to help you piece together every aspect of your financial puzzle, supporting your vision with a partnership built to last.
A Full Suite of Business Banking Solutions
Checking & Savings Accounts
Discover a wide range of checking accounts for every stage of your business’s growth and equipped with online and mobile banking. Our Business Statement Savings, Money Market and Certificates of Deposit also position you for growth opportunities.
Treasury Management
Increase client satisfaction and sales with premier merchant card processing, have a secure electronic solution for vendor payments and employee payroll, and monitor for suspicious activity with tools like Merchant Services1, Positive Pay and ACH Collections.
Employee Benefits
Attract and maintain valuable employees. Our local experts provide comprehensive, in-house retirement plan solutions, eliminating the need for multiple providers. We assist in plan selection and offer ongoing employee education through on-site meetings.2
Insurance
Peoples Insurance offers a wide variety of commercial insurance types, including Commercial Property, Commercial Auto, General Liability and Cyber Liability to safeguard your business3.
Trust & Wealth Management
Our financial advisors are here to help you navigate your personal goals, including debt management strategies, tax considerations and estate planning to protect your assets and family.
Workplace Banking Program
Our local workplace banking specialists will work to provide your team with exclusive benefits, including employee benefits enrollment, complimentary insurance quote3 and investment review4 and more.
Apply for a Business Loan or Line of Credit.
Tell us a little more about your business in the form below, and we will reach out to you to get started.
