Business Loans

Lending to get your business going.

Whether your business is big or small, we're here to help you find the right lending option to help you meet your business goals.

Our financing options: 

Commercial Real Estate (Purchase and Refinance)

• Owner-Occupied: When you need a place for your business to call home.
• Non-Owner Occupied: When others need a place to grow their business.
• Multi-Family: Helping others find a home of their own.
• Competitive fixed rates and terms

Equipment Financing

• New & Used Equipment: When you need a piece of equipment to expand your business.
• Capital Expenditure (CapEx) Lending: Helps you plan for your capital expenditure needs now and in the future.

Lines of Credit

• Operating Lines of Credit: To bridge the gap between your accounts payable and accounts receivable
• Working Capital Lines: Helps offset shortages in cash flow
• Medical and Professional Lines of Credit

Agriculture

• Lines of Credit: To get your operation through the growing season.
• Equipment Financing: To help your operation be more efficient.
• Land Financing: When you find a piece of ground to expand your operation.

SBA: 7A, Express, and 504

• Acquisition Financing: When you want to purchase a competitor.
• Government Guarantee: To strengthen your credit request.

Construction

• Ground-up construction of new building. 
• Builder financing (project specific)
• SFR1-4 (specs and presold)
• Renovation/Tenant Improvement/Remodel financing is available with HAPO listed as the first lien holder.

Get in touch with a commercial lending Relationship Manager today.

Lending Qualifications*

• Been in business for two plus years
• Cash Flow: Do you have positive cash flow/net income over the past two years that would support a payment on the proposed request
• Collateral: Real estate, accounts receivable, inventory, equipment
• Character/Credit: Owners’ credit scores over 680
• Capital: Do you have sufficient cash or equity to support a required minimum down payment

*If you don’t yet meet these qualifications, a great resource is to connect with your local Small Business Development Center sponsored by the Small Business Administration. Please follow this link to find the closet location near you.