Borrowing Compare Business Borrowing Options

Business Lending*

Looking to take your business to the next level? We can help with the financing. Whether you want to consolidate or refinance other debt, improve cash flow, make a major purchase, or manage your working capital, we have a business lending option to help you meet your goals.

Compare Your Business Lending Options

Determine which of our programs best matches your current needs by reviewing the chart below. Our streamlined application and timely decision process help make for a smooth experience.

woman hanging seasonal sign
Business Line of Credit
man pulling rope out of water on side of boat
Business Term Loan
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Business Owner-Occupied
Commercial Real
Estate Mortgages±
robotic manufacturing arm
Business Equipment Finance
Great Choice For
Short-term working capital financing needs
Financing needs requiring longer term to pay
Purchase, renovate, or refinance owner occupied commercial real estate
Financing equipment and vehicles
  • Finance accounts receivable
  • Purchase inventory
  • Support seasonal cash flow fluctuations
  • Acquire fixed assets
  • Refinance non-Santander debt with fixed monthly payments
  • Acquire commercial real estate
  • Improve or expand existing building
  • Refinance non-Santander existing real estate debt
  • Acquire vehicles or equipment, some of the qualifying vehicles and equipment include medical, construction and agricultural
Revolving lines for amounts starting at $10,000
Minimum amount to borrow $10,000
Minimum amount to borrow $25,000
Minimum amount to borrow $50,000
Length of
Revolving with renewals occurring once a year for lines of credit no greater than $500,000.
From 3 years to 5 years
Up to 25 years
From 3 years to 10 years
Unsecured lines up to $100,000
  • Fixed interest rates 
  • Finance up to 80% of the lesser of the purchase price or appraised value
  • Available 100% financing of costs including taxes, freight, installation, software, warranties and training
  • Low fixed or floating rates available

“Our banking needs have changed over the years, from basic loans to larger real estate loans and equipment financing. And Santander has grown with us.”

Greg Porfido, Mark Richey Woodworking 

Helpful Hints For Meeting With Your Business Banking Partner

Ready to talk about financing your business needs? Follow these tips for a productive meeting.

Borrowing Options Documents
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Bring copies of your most recent business and personal tax returns, so your banker can suggest deposit, cash management, and/or financing options to help meet your specific needs.
Borrowing Options Documents 2
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Provide a recent business Cash Flow Statement, so we can understand your business’s sources of cash inflows and outflows, and your borrowing needs.

*The products and information provided on this page are only for small businesses with annual revenues up to $5,000,000, subject to acceptance rules, credit limits, policies, and guidelines of Santander, N.A. For other Business Banking customers with a dedicated relationship manager, please contact your relationship manager directly

±Owner-occupied real estate is defined as property where the owner-operating company occupies more than 50% of the gross rentable space, and generates more than 50% of the cash flow necessary to service debt; otherwise, property is considered Investment Real Estate. 

100% financing of equipment and vehicle cost is only available for businesses that have been in legal and/or operating existence for two or more years prior to the date of receipt of completed application by Santander Bank. 80% financing of equipment cost is available to businesses that have been in legal and/or operational existence less than 2 years as of the date of receipt of completed application by Santander Bank.

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