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Commercial Loans

Sauk Valley Bank offers a seasoned professional lending team, which is available to support your commercial business in many ways. We invite you to speak with one of our lenders and let us work with you, to help you take more profit to the bottom line.

Choose from short-term or long-term loans, loans for equipment, real estate, construction and more. Each loan specialized to meet the needs of your business, we’re more than ready to help you every step of the way.

Term Equipment Loan

A term loan for the purchase of equipment with a useful life of 1 year or more. Principal balance is amortized over multiple years with monthly or quarterly payments of principal and interest. The interest rate is typically fixed for the life of the loan (up to 5 years). The length of the loan will vary with the life of the asset that is being financed. Term loan financing is secured under Security Agreement.

Construction Today

Funding for the construction of a commercial building with multiple advances (usually a loan of 12 months or less). Advances on the loan are made in conjunction with a Title Company and Contractors Affidavit. Interest is typically paid monthly. Interest rates can be fixed or variable based on the length of the loan.

Letter of Credit

A specialized loan instrument is available to customers who need to purchase inventory or other current assets. With a Letter of Credit the Bank guarantees payment for goods or services purchased by the customer under a contract with a third party. This instrument would be supported by a promissory note and collateral. The annual fee for a Letter of Credit is 1.0 % of the face amount of the LOC.

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