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Business Credit Solutions

Our small business representatives work with you in person—listening to your ideas and understanding your business, and industry. Through our global perspective and connections to our local markets, we can build a relationship that helps meets your business financing needs and helps you reach your business goals.

Whether you're looking to purchase or upgrade business facilities, lease commercial equipment, expand your inventory, improve cash flow, or consolidate debt, Santander Bank has the borrowing products that can make sense for your business.

 

YOUR NEED:

KEY FEATURES:

Business
Lines of
Credit
  • Short-term financing
  • Funding for seasonal needs
  • Access to available funds to use for emergencies or when cash flow is tight
  • Pay down and re-borrow available funds as needed
  • Interest only payments on borrowed funds afford maximum budgeting flexibility
  • Free checks to access your line of credit
Business
Term Loans
  • Financing for specific purchases requiring longer repayment terms
  • Refinance company debt to reduce monthly payments
  • Consolidate company debt to facilitate monthly budgeting
  • Fixed rates
  • Fixed monthly payments for budgeting ease
  • No prepayment fees
Equipment
Financing
and Leases3
  • Finance equipment
  • Fixed payments
  • Lower down payment to conserve cash
  • New or used equipment
  • Finance up to 100% of new equipment cost**
  • Low fixed or floating rates
  • $1 buy-out at end of lease term
  • Options to sell and lease back existing equipment
Commercial
Real Estate
Mortgages
  • Purchase or improve commercial real estate
  • Refinance debt to reduce monthly payments
  • Leverage the equity in commercial real estate to help fund business needs
  • Financing for business owner-occupied or investment properties
  • Five or ten year fixed rate options
  • Up to 30 year term with no balloon payment
  • Up to 80% loan-to-value (LTV) for most transactions (70% LTV for cash-out financing)
Small Business Administration Lines, Loans, and Commercial Mortgages
  • Short or long-term financing guaranteed by the SBA when conventional financing is not available
  • Available longer repayment terms to reduce monthly payments
  • Available as a line of credit, term loan, or commercial real estate mortgage.
  • Applicants not qualifying for traditional financing with Santander are automatically considered for an SBA guarantee without needing to reapply
  • As an SBA Preferred Lender, Santander provides streamlined approval and closing processes
  • Available longer repayment terms than non-SBA loans

* Financing is available to qualified business applicants only. A signed and completed application, and any other information Santander Bank, N.A. (“Santander Bank”) may request as part of the application process, must be received by Santander Bank before a credit decision can be rendered. Qualification for financing and all terms, offers and rates are subject to the credit rules, policies, guidelines, criteria, and approvals of Santander Bank, which are determined by Santander Bank in its sole discretion and are subject to change at any time without prior notice.

** 100% financing of equipment cost is only available for business that have been in existence for 2 or more years prior to the date of Santander Bank’s receipt of completed application. 80% financing of equipment cost is available to businesses that have been in existence less than 2 years as of the date of Santander Bank’s receipt of completed application.

All commercial credit products that are guaranteed by the SBA are also subject to compliance with all SBA policies and procedures.

1 Line origination fee waived with a Santander Business Complete or Business Premier banking package. In order to receive a relationship discount, you must have in your Santander business deposit account(s) at the time of the application, a minimum balance, which is determined by Santander Bank, N.A. in its sole discretion, and subject to change at any time. Additional requirements may apply. Please see your local branch representative for details.

Contact Us


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1.877.768.1145 to speak with a Business Customer Contact Center Representative

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