Commercial, Construction & Investment Real Estate Lending

• Equipment Financing – up to 100% of cost of new and used equipment
• Commercial Real Estate – up to 75% LTV conventional loans, owner occupied and investment real estate
• Working Capital – Lines of credit and term loans
• Practice Start-up, Expansion and Acquisition Financing
• Commercial & Residential Construction Lending

Professional Deposit & Cash Management Services

• Online Banking
• Merchant Credit Card Processing
• Remote Deposit

Small Business Administration (SBA)

• Preferred Lending Partner (PLP) – 504 and 7A loans
• Commercial Real Estate – up to 90%, can include improvements • Business Acquisition / Expansion – up to 90%
• Working Capital – Lines of credit and term loans
• Equipment and Capital Investments – up to 10-year amortization, can extend with life of the asset Finance Services
• Online Banking and Bill Pay • Residential Real Estate, Home Equity, and Personal Loans
• Personal Banking Services Package for your employees

Trust & Investment Services*

• Personal Trust Administration
• Retirement Plan Trust Administration, 401k
• Non-Profit and Endowment Fund Management

*Trust and investment management services are offered by Exchange Bank Trust and Investment Management. Exchange Bank investment products are not a deposit, not FDIC insured, not guaranteed by the bank, not insured by any federal government agency, may go down in value.

Continue reading...