Financing

Starting a new business? Need a loan to fund your growth? The success of your business is our business. Hopewell Valley Community Bank takes the time to understand your business goals because we know that not every company needs the same loan. Our experienced Commercial Lenders have worked with many companies like yours. That’s why we offer a wide array of flexible lending services just right for you. We believe in working with you personally to find a loan package that meets your needs. And our decision is delivered to you quickly and efficiently. If you have any questions at all about how a loan program at Hopewell Valley Community Bank can take you to the next level, call Dick Koenig or Linda Deckman at (609) 466-2900, Andre Caldini at (609) 586-0600, or Huell E. Alberty at (609) 409-3336.

       

       

       

       

       

       

       

Term Loans

Term loans, usually three to seven years, are available for several purposes, including the purchase of equipment, machinery, computers, transportation, or when you need to improve your business facility to maintain your competitive edge. Your Commercial Lender can help you choose the rates, terms, and payment schedule that will allow you to keep your business up to speed or to expand on your existing business.

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Working Capital Lines of Credit

A line of credit can help your business handle temporary cash flow needs to allow you the flexibility to grow and prosper. When you need additional cash to buy inventory, take advantage of trade discounts and seasonal opportunities, or to meet increased operating costs, we can help. Such credit is generally based on a company’s primary liquid assets such as inventory or accounts receivable, are for a one year period, and require updated financial statements annually. A working capital line of credit is an easy and uncomplicated way to get the cash you need, when you need it.

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Full Term Commercial Real Estate Loans

Why lease when you can own. With a full term commercial mortgage, you don’t have to worry about those balloon payments. We can extend your financing for up to 25 years. Hopewell Valley Community Bank offers fixed or variable interest rates that can provide real financial advantages to your business. Our refinancing program can help you lower your operating costs.

We can help your business to expand into better facilities to accommodate your growth. Or, access the valuable equity you have built up in your present facility to fund improved operating conditions. The loan can be used to buy owner-occupied property, refinance owner-occupied commercial property, and to purchase professional co-ops and condominiums. HVCB’s Commercial Construction loans provide interim financing while the property is being built. And once completed, you can begin making payments without going to another loan closing.

So whether you're interested in purchasing a building, refinancing your current property, or building new, Hopewell Valley Community Bank can help make it happen. To learn more, call one of our commercial lenders at (609) 466-2900.

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Land Acquisition and Development Loans

Hopewell Valley Community Bank provides financing for the acquisition and site improvements of land for residential and commercial development. At HVCB we offer:

• Project financing for income property developers and investors
• Lot development and unit construction loans for residential developers
• lines of credit to finance home construction.

Throughout Mercer County, and surrounding counties, we offer acquisition, construction, bridge and mini-perm loans for construction projects. Hopewell Valley Community Bank is relationship-driven, and committed to customer service. Our reputation is built on responsiveness, innovation, market knowledge, and on the strength of our client relationships. Call Wally DeMoss at (609) 466-7399 to discuss these programs with you.

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Letters of Credit

Hopewell Valley Community Bank can provide you with Standby Letters of Credit to meet your company's needs to provide bid bonds, performance bonds, advance payment bonds, warranty/maintenance bonds, payment guarantees or loan guarantees. Your Commercial Lender will be pleased to discuss this program with you.

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