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
man and woman looking at blueprint
Business Owner-Occupied
Commercial Real
Estate Mortgages±
robotic manufacturing arm
Business Equipment Finance
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 greater than $750,000. From 3 years to 7 years Up to 25 years From 3 years to 10 years
  • Unsecured lines up to $150,000
  • No financial statement required at time of application for line of credit requests up to $150,000#
  • 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.

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.

Meet Your Business Banking Specialists
Santander's knowledgeable business bankers are ready to help you choose the right banking solutions for your business. Contact us today.

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Serving Business with x qualifications



Get in touch

*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.