Business  Lending
* Commercial Working Capital Loans

A working capital loan is defined as any loan with a maturity shorter than one year that on an organization schedule and repays from cash flow. Many businesses can benefit from a term loan, but this type of credit should only be considered when it clearly best satisfies the borrower’s needs relative to the purpose of the loan and customer’s ability to repay, and it is desirable to protect a good banking relationship.

* Commercial Real Estate Loans

Loans secured by commercial real estate with different terms. Any commercial loan whose purpose is to buy or carry improved real estate. Desirable loans include:

  • Owner occupied/operated commercial/office
* Construction Loans

Loans to finance of the construction of real estate building projects by a constructor, owner or developer. These include residential, commercial developments, multifamily projects and all other nonresidential construction projects.

* International Trade Finance Loans

EverTrust Bank provides to its customers letters of credit and the issuance of letters of credit of both commercial and standby letters of credit.

* Small Business Administration Lending

As a Small Business Administration (SBA) Lender, EverTrust Bank understands the financing needs of small and growing businesses. Our experts take pride in delivering customized 7(a) and 504 loans to help your business prosper.

* Residential Mortgage Brokerage Program

Mortgage collateralized by one-to-four-family dwelling, and ordinary owner occupied. The typical mortgage loan is a conventional mortgage loan by bank or thrift institution.



* Please consult with our loan officers for more details.


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