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Business Banking \ Loans

Commercial Operating Loan

Smart Choice: For existing or start-up businesses who need short term, working capital


We can assist you in finding the rates, terms, and repayment that work best for your business but typically the interest rate floats is indexed.

If a 90 - 180 day term is used the rate can be fixed.

The maturity date for a commercial operating loan will not normally exceed one year.


Maximum amount of the operating line is determined by cash flow analysis.

Credit line should be used for working expenses, not to finance fixed assets or for other non-current purposes.  We have other types of loans to assist in the purchase of capital assets.

When the loan matures the continuation of the agreement is contingent upon the satisfactory financial condition of the borrower as evidenced by financial statements.