Commercial Lending
Our Commercial Financing Options
Customized lending structures for every business scale.
Term Loans
Purchase long-term assets or expand operations with fixed-rate, structured financing programs over 3 to 10 years.
Lines of Credit
Draw down cash instantly to cover working capital gaps, seasonal inventories, or short-term trade payments.
SBA Loans (7a & 504)
Benefit from government-backed guarantees offering lower down payments and longer repayment terms for small businesses.
Commercial Real Estate
Finance owner-occupied properties, warehouse expansions, office units, or multi-family commercial assets easily.
Equipment Financing
Secure up to 100% funding to acquire modern machinery, IT infrastructure, or delivery vehicles without cash loss.
Construction Loans
Obtain flexible, milestone-based funding programs for site development, new builds, or extensive renovations.
Our Lending Process
Four steps to finance your objectives
Initial Consultation
Meet your relationship manager to align on your cash requirements, terms, and structural options.
Submit Application
Compile business financial statements, tax returns, and project estimates through our secure platform.
Credit Review
Our credit team conducts rapid local review, validating cash flow capacity and collateral strength.
Funding
Upon approval, documents are signed and funds are wired directly into your checking account.
$500M+
Total Commercial Funding
98%
Approval Satisfaction Rate
48h
Avg. Decision Timeline
14+
Years Serving Local Businesses
The Sylla Trust Advantage
Why commercial clients choose us
Local Decisions
Lending approvals are made by commercial committees right in our branches, avoiding long delays from out-of-state boardrooms.
Flexible Structures
We structure customized credit facilities, offering seasonal principal holidays or unique interest-only draw timelines.
Relationship-Based
We evaluate the character and track record of the owners, not just credit score numbers, to build long-term banking trust.
