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Small Business Loans & Financing

Whether you need capital for expanding your operations, purchasing equipment, refinancing existing debt, supplementing cash flow, or meeting seasonal needs, our local experts can help. We offer a variety of business loans, lines and letters of credit to meet the needs of your growing business.

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Term Loans

Term loans offer longer working capital than other financing options. Loans are available with a variety of terms and repayment options. Whether you're looking to acquire real estate, purchase equipment, or expand operations, we have the right options and expertise to help you make the best financing decision.

Lines of Credit

Seasonal and revolving lines of credit provide short-term working capital to supplement cash flows. Take advantage of supplier discounts and finance seasonal operating expenses. Single maturity notes are also available.

SBA Loans

As local and global economies continue to grow, letters of credit are becoming increasingly popular. Centier can help you guarantee payment to your suppliers and establish credit with new vendors. Whether you are importing and exporting, or need to provide financial security locally, we can meet your needs and deliver the quality service you deserve.


Find the Right Loan for Your Business!

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Loan Type SBA 7(a) Loan SBA 504 Loan

Account Features

For starting, acquiring and expanding a small business. We also offer a SBA 7(a) Express loan that features an accelerated turnaround time for SBA review. A loan to provide financing for major fixed assets such as equipment or real estate.
Business Net Worth Below $15 million and an average net income below $5 million. Below $15 million and an average net income below $5 million.

Loan Amount

Up to $5,000,000 Up to $6,500,000 for the Centier financed portion.
Loan Rates Fixed or Variable Fixed or Variable
Loan Terms
Up to 7 years for working capital, 10 years for equipment, and 25 years for real estate. Up to 20 years on Real Estate and up to 10 years on machinery or equipment.

Small Business Credit Card Support & Online Access

24-hour toll-free live customer assistance available at 800-367-7576. Online account information available 24/7.

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