LOANS & CREDIT
We offer a wide variety of commercial loan options to meet all of your business's goals and needs. Because we can offer both in-house loans and government guaranteed loans, our products are competitive and our service is outstanding. Talk to one of our experienced commercial lenders to see which option suits your business's needs!
SMALL BUSINESS ADMINISTRATION LENDING
TERM LOAN – SBA 7A
Whether you want to establish a business...purchase an existing business...expand your business...need working capital...or need to purchase equipment or inventory – the longer term loans of an SBA 7A Loan may be just what you need! Talk to one of our commercial lenders today.
Looking to purchase land or a building? Or need funds to purchase equipment or inventory? SBA Express offers both term loans and revolving lines of credit. Talk to a commercial lender to see which one fits!
Expand your business with as little as 10% down by taking advantage of this long term, fixed rate option! Proceeds can be used to purchase commercial real estate, equipment, or machinery. Learn more about Small Business Administration Lending here.
WORKING CAPITAL LINE OF CREDIT
Working Capital Lines of Credit provide your business with a valuable source of funds to manage the day-to-day cash needs of your business. Because you borrow only what you need, for only as long as you need it, interest expense is kept at a minimum. Talk to a commercial lender to see if this is the option for you!
COMMERCIAL TERM LOAN
Term Loans are ideally suited to provide your business the ability to finance long-term assets, such as equipment and buildings. Payments are determined by the useful life of the assets financed. Both fixed and variable rates are available - talk to a commercial lender to see which one might work best for you!
COMMERCIAL LETTERS OF CREDIT
A Letter of Credit provides Unity Bank’s guarantee of payment – a valuable tool as your business seeks to expand relationships with other creditors! Talk to one of our commercial lenders today.
SINGLE PAY NOTE
Do you need to borrow for just a short amount of time? We can do that too! We offer both fixed and variable rates, to suit your singular needs. Talk to a commercial lender to see which one fits!
We offer a wide variety of agricultural financing options, enabling us to customize our loans to meet your unique needs. Working with both in-house loans and government guaranteed loans, we’re sure to have a loan that works for you. Talk to one of our experienced agriculture lenders today!
UNITY BANK AG LOANS
- Operating Lines of Credit
- Machinery Loans
- Livestock Loans
- Farm Real Estate Loans
- Farm Facility/Improvement Loans
- Government Program Loans
USDA FARM SERVICE AGENCY
The USDA Farm Service Agency Guaranteed Loan Programs are available to assist in structuring rates and terms to meet your agricultural financing needs.
- The beginning farmer down payment program assists new borrowers to purchase real property.
- Farm ownership guarantees assist in purchasing or improving real estate.
- Term loans help you finance machinery, equipment, and livestock.
- Operating lines revolving are designed for your annual operating needs.
Unity Bank is a direct seller into the Farmer Mac (Federal Agricultural Mortgage Program) Secondary Market loan program. This permits us to offer longer-term fixed rate mortgage loans for qualifying agricultural borrowers.
Complete the Credit Application and bring it into one of our locations to get started today. *Email is not a secure way to send personal information. For your security, do not email the Credit Application which contains privileged and confidential information.
Intent to Apply for Joint Credit>> (Required for all loans with two or more applicants)