| At Hilltop Community Bank, we
know that to successfully grow a business you need access to flexible, affordable
and timely financing. We also know that not every business fits into the
same mold, every business has different needs, at different times. Whether
you need help with your business' cash flow, or assistance to grow your
business during times of expansion, or you need to take advantage of seasonal
opportunities, Hilltop Community Bank has a loan plan to meet your needs
and loan officers to respond to them quickly.
Hilltop Community Bank provides short-term financing through Lines of Credit to meet your day to day working capital requirements, and term loans to purchase equipment, for leasehold improvements, or for capital expansion. If your financing needs are larger, for a longer term, such as for purchase of Commercial Real Estate or other specialty project, Hilltop is prepared to work with you to put together a financing package that will meet your business needs
Credit line facilities are extended to provide short term business financing for seasonal and working capital needs, such as inventory purchases, accounts receivable financing, quarterly tax & insurance payments, most operating expenses and to take advantage of seasonal opportunities. Generally, they are for a one-year period and require updated financial statements annually.
Business loan used to finance capital expenditures such as machinery, equipment, computers, vehicles, office furniture, leasehold improvements, fixtures, and expansion of business lines.
Commercial Real Estate loans are secured by real property such as office buildings, manufacturing plants, warehouses, professional offices, medical facilities, day care centers, apartment buildings or rental storage facilities. The loan can be used to buy owner-occupied property, refinance owner-occupied commercial property and to purchase professional co-ops and condominiums. Investment property financing is subject to different criteria. We would welcome your inquiry.