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Manufacturers Bank and Trust Company
Commercial Online Banking
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Commercial Loans

Short-term / Revolving Loan Products
Machinery and Equipment Loans
Commercial Real Estate Loans
Small Business Administration (SBA) Loans

Short-term / Revolving Loan Products

  • Operating Lines of Credit
    • Loan term is for typically 1 year.
    • Loan proceeds available on “as needed” basis
    • Typically used for inventory or material purchases
    • Secured by inventory, equipment and receivables
    • Renewable loan term upon annual review and proven utilization
  • Seasonal Lines of Credit
    • Available for short term / seasonal business customers
    • Can be utilized for both “in season” or “off season” expenses

Machinery and Equipment Loans

  • Purchase Loans
    • Typically available for 3, 5 or 7 years (possibly up to 10 years)
    • Secured by business collateral being purchased
    • Typically fixed interest rates
  • Refinance & Restructure Loans
    • Similar terms as Purchase Loans
    • Available for refinancing of existing machinery & equipment

Commercial Real Estate Loans

  • RE Acquisition Loans
    • For Business or Investment purposes.
    • 3 and 5 year adjustable rates available
    • Typically up to a 15 year term
    • Supported by income from the business or property
  • RE Construction/Expansion Loans
    • Typically for up to 12 months
    • Fixed and adjustable rates available
    • Customized to fit your construction timetable

Small Business Administration (SBA) Loans