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.
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.
 Business Line of Credit |
 Business Term Loan |
 Business Owner-Occupied Commercial Real Estate Mortgages± |
 Business Equipment Finance |
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|---|---|---|---|---|
| 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 |
| Potential Uses |
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| Available Amounts and Details |
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 Loan |
Revolving with renewals occurring once a year for lines of credit greater than $750,000. | From 3 years to 7 years | Up to 25 years | From 3 years to 10 years |
| Additional Benefits |
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| Learn more Get in touch | Learn more Get in touch | Learn more Get in touch | Learn more Get in touch |
“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
Ready to talk about financing your business needs? Follow these tips for a productive meeting.
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.
Provide a recent business Cash Flow Statement, so we can understand your business’s sources of cash inflows and outflows, and your borrowing needs.
Please, tell us where you live so we can give you accurate rate and fee information for your location.
Any accounts opened online will be assigned to the branch closest to your residential zip code, and will receive the interest rates and APYs available at that branch.
*The products and information provided on this page are only for small businesses with annual revenues up to $3,000,000, subject to acceptance rules, policies, and guidelines of Santander Bank, 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.
#For BLOC applications between $10,000 and $150,000 financial statements will be required at the time of application if : (1) your business is a not-for-profit organization; or (2) your business’ existing Santander Bank business credit exposure at time of loan application in addition to the loan application request amount exceeds or will exceed $150,000; or (3) your business’ existing Santander Bank business credit exposure at time of loan application in addition to the loan application request amount is more than 10% of your business' most recent annual sales
†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.
