Business Banking

Business Loan Products

Solera National Bank offers a wide variety of loans to keep your business on a successful track.

The best way to assure you'll have access to funds when you need them is to establish a line of credit today. Our knowledgeable professional lenders will give you the support you deserve. Stop in and talk with am experienced loan officers find out which product is right for you.

Small Business Home Equity Line of Credit

Line amount from $25,000 to $250,000
Term of two-year draw period with a 15-year amortization
Variable rate based on risk-based pricing
Interest payments only during the first two-year draw period
Principal and interest payment during the 15-year amortization period
Secured by owner-occupied primary or secondary residence
Origination and annual fee; no third party fees
No application fee
Early cancellation fee during first three years

Small Business Real Estate Secured Term Loan

Line amount from $25,000 to $250,000
Term of three-year draw period with a 15-year amortization
Variable rate based on risk based pricing
Interest payments only during the first two-year draw period
Principal and interest payment during the 15-year amortization period
Secured by first lien on real estate
Origination and annual fee; no third party fees
No application fee
Early cancellation fee during first three years

Small Business Line of Credit

Line amount from $10,000 to $200,000
Two-year revolving term
Variable rate based on risk based pricing
Monthly interest payments
Principal due at maturity
Secured by first lien on business assets and second lien on real property when applicable
Origination fee
No application fee

Equipment Financing

Let us take care of you equipment and machinery financing. You'll have a variety of options, and we can help find the one that's right for you.

SBA Loans

Whether your business is new and growing or large and well-established, our seasoned lenders will help provide you with financing through a Small Business Administration guaranteed loan. An SBA 504 or SBA 7(a) loan program could be the right solution for you. You can use funds from the program to buy a facility, to purchase land and build a new building, to renovate or expand an existing structure, or to purchase equipment and machinery for a business.

CFHA Loans

Coming Soon

Real Estate Secured Loan

It makes sense to purchase or refinance your commercial real estate in the current low-rate market environment. Talk with our commercial lenders about the wide variety of options available you.

Working Capital Line of Credit

An improved cash flow can give you the flexibility to take advantage of business opportunities as they develop. Using our business line of credit, you can finance short-term working capital needs, seasonal purchases, inventory, and much more. And you only pay for the funds you need at the moment.

Construction Loan

Are you planning to expand your growing business? We can provide the money that will turn your dream into a reality. Our experienced commercial lenders offer flexible-term business construction loans at competitive rates. Let us find the right solution for you.

Acquisition & Development

All great ideas start with a vision. We can help you realize your vision and find ways to maximize your investment.