Commercial Loans

Real Estate Loans

Prime Alliance Real Estate Loans are a simple and easy way to help you acquire the property you need for your business. With many different terms and options, we can help you purchase that ideal piece of property for use today or in the future.

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  • Types: Conventional Term Loans (also see SBA Loan)
  • Purpose: Used to purchase business property or to construct/acquire a commercial building
  • Maturity: 5-15 Years
  • Collateral: Secured by first trust deed on the parcel
  • Loan-to-Value: Up to 80%
  • Payment Terms: Monthly with principal and interest payments
  • Loan Size: Up to $10,000,000

Small Business Loan (SBA)

Prime Alliance Bank has the ability to help you and your business obtain a small business loan through the US Government's Small Business Administration. This included 504 and 7a loans. These loans can assist you in purchasing land, constructing your company's building, financing more equipment, and providing additional working capital. The benefits of a loan through the SBA can help your business in many different ways.

SBA Loans assist your business by providing:

  • Longer maturities than typical financing
  • Lower down payments
  • Multiple interest rate options
  • Longer repayment terms
  • No balloon payments

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  • Types:
    • Land Loans
    • Real Estate Term Loans
    • Equipment Financing
    • Operating Capital
  • Purpose: Can be used for various types of financing from commercial construction, land and/or building purchase, equipment financing, or working capital
  • Maturity: 15-25 Years
  • Collateral: Depends on loan type
  • Loan-to-Value: Up to 90%
  • Payment Terms:Loan type determines the payment structure
  • Loan Size: Up to $10,000,000

Commercial Lines of Credit

One of the fastest ways to help finance the operations of your business is to secure a line of credit with Prime Alliance Bank. We work with your business to help provide a line of credit that can help your business with short-term financing of equipment, operational expenses, inventory purchases, and the occasional payroll shortfall.

We know that cash flow can sometimes be inconsistent and a line of credit can help you to weather these shortfalls and keep your business running smoothly. Contact one of our Loan Officers today to set up a new line of credit for your business.

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  • Types:
    • Revolving Line of Credit
    • One time draw-down Line of Credit
  • Purpose: Can be used for various types of financing from short-term equipment financing to working capital
  • Maturity: 1-3 Years
  • Collateral:
    • Unsecured
    • Accounts Receivable
    • Inventory
    • Savings & Securities
    • Equipment
    • Real Estate
  • Loan-to-Value: Varies by collateral types
  • Payment Terms: Monthly interest payments with a resting period
  • Loan Size: Up to $10,000,000

Equipment Lease Financing

Prime Alliance Bank offers leasing solutions that can help your company acquire equipment without the burdens of ownership. From reducing debt loads and improving your balance sheet to lowering your tax bill, leasing offers a different type of financing that can positively effect the overall operation of your business. Prime Alliance Bank can assist you directly with lease transactions.

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  • Types:
    • Tax Lease
    • Equipment Lease
    • Lease Line
    • Finance Lease
  • Purpose:
    • Used to finance equipment for your business with out the burdens of ownership
    • Helps to positively impact your company's balance sheet
  • Maturity: 2-4 Years
  • Collateral: Secured by equipment
  • Loan-to-Value: Up to 100% on some transactions
  • Payment Terms: Varies with lease type