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Personal Online Banking

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Credit Cards from Central Bank

Discover the freedom of financial flexibility with our Visa® Credit Builder, Saver and Rewards cards. All with no annual fee!

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Commercial Loans

Commercial Loans: Term Loans, Business Lines of Credit, SBA Loans & More

Whether you need to boost your working capital, purchase new equipment or expand your operations, a business loan from Central Bank can help you make it happen. Our commercial lending experts will work with you every step of the way, ensuring that you have the best possible solution for your business. Options include:

Term business loans
Business lines of credit
Small Business Administration (SBA) loans
Construction and development loans
Executive lines of credit

Term Loans

Term Loans: Dependable Payments, Local Service

In addition to our highly competitive interest rates, one of the key benefits of our term loans is the fixed, dependable payment structure. This means you'll know exactly what to expect each month, making it easier for you to plan and manage your business budget. You won't have to worry about fluctuating interest rates affecting your loan repayments—giving your business the financial stability it needs to flourish.

And with Central Bank, you're not just getting a loan. You're getting service from a local team who understands your local market—because we're part of it, too. We believe in supporting local businesses, and our team of experts is dedicated to providing you with the best service possible.

Choose a Central Bank term loan, and give your business the room it needs to grow. With predictable payments, competitive rates and local expertise, our term loans are designed with your business success in mind.

Lines of Credit

Business Lines of Credit: Customized Terms, Fast Decisions

When it comes to running a business, flexibility is key. Cash flow varies, unexpected needs crop up and seizing opportunities often requires quick access to funds. That's where our business lines of credit can help. They're designed to move with the rhythm of your business—giving you the financial flexibility you need, when you need it.

Determining credit amounts for commercial lines of credit isn't a one-size-fits-all process. It's a journey we take together, looking at the unique aspects of your business, the ups and downs of your cash flow and the extent of your need. It's all about creating a financial solution that fits your business like a glove.

Thanks to our local decision-making, you'll get an answer quickly. So you'll spend less time waiting and more time focusing on what you do best—running your business. With a business line of credit from Central Bank, you're not just getting a flexible financial solution. You're getting a financial partner who's got your back.

Residential Construction and Development

Construction & Development: Deep Expertise, Valuable Connections

Whether you're embarking on new residential construction or are a professional developer planning to develop land for apartments, townhomes, duplexes or houses, you'll find a financial ally in Central Bank. We understand the intricacies of the development business and the financing challenges that can come along the way.

Our commercial lenders aren't just experienced. They're specialists with years of insight into development lending. We've also built relationships with trusted partners we can connect you with in the early stages of development, helping to streamline the process and setting a strong foundation for your project's success.

We're proud of our successful track record of funding a diverse range of projects, from single-family and multi-family residential developments to commercial initiatives like shopping centers and owner-occupied office spaces. With Central Bank, you're gaining a financial partner committed to your vision. Let's bring your development aspirations to life together.

SBA Loans

SBA Loans: Central Bank Is on Your Side

Small Business Administration (SBA) loan programs help growing businesses gain access to much-needed capital. But navigating the process of applying for an SBA loan can be daunting. Our commercial loan officers are experts in SBA programs and can help you identify if your business would qualify for an SBA loan.

When you choose an SBA loan through Central Bank, you're choosing simplicity and familiarity. While the SBA might require some specialized paperwork, you'll work directly with your Central Bank banker throughout the process. We're here to ensure your application process is as smooth and straightforward as possible.

The SBA offers programs tailored to a variety of industries, each with different qualifications and limitations. Whether you're a burgeoning start-up or an established enterprise, there could be an SBA loan program that's just the right fit for you. With SBA loans generally ranging from $50,000 to $5,000,000, there are substantial resources available to help you propel your business forward.

Don't let the loan application process intimidate you. With Central Bank, you have a partner ready to guide you every step of the way. Let's explore the potential of SBA loans together.

Executive Lines of Credit

Executive Lines of Credit: Flexible, Tailored Financing

At Central Bank, we're committed to supporting the visionaries and leaders in our communities. That's why we offer executive lines of credit to business owners and executives—providing a flexible financing solution tailored to your unique needs and ambitions.

Our executive lines of credit are designed to give you the freedom to pursue your business goals without the limitations of traditional loans. This financing option could be the key to unlocking new opportunities, managing cash flow or fueling the growth of your business.

Securing an executive lines of credit begins with a thorough review by one of our commercial lenders. They'll take a look at your tax return and personal financial statement to determine if you qualify. It's a comprehensive process that ensures the line of credit fits with your financial picture and your business objectives.

Business Banking Solutions You Can Trust

Central Bank offers a suite of Credit Card and Treasury Management services tailored to fit your needs.