We make lending decisions locally and provide quick, low-cost closings to assist your business.
Small Business Lending
Bring big plans to life for your small business.

It's time for your business to take the next big step with an SBA Loan.
Money should fuel your plans and ideas, not limit them. We'll work with you to customize the lending solution that fits your business plans.
Access loans and lines of credit to grow your business
Businesses like yours are the economic engines of our community. At Ives Bank, we proudly hold the highest distinction of Preferred SBA Lender, which means we're recognized as a trusted resource for our local businesses
Our commercial lending officers will help you select from financing options for commercial real estate or commercial construction, according to your specific growth targets.
SBA 7(a) Loans
- Use to finance real estate purchases, construction, mergers and acquisitions, debt refinancing, equipment purchases, working capital and more
- Get more financial flexibility with competitive rates and a low down payment
- Borrow larger amounts with quick, local approvals and convenient, fast closings
- Structure your loan with amortization schedules for lower monthly payments
SBA 504 Loans
- A non-profit Certified Development Company (CDC) teams with the Bank and the SBA to provide fixed-rate, long-term financing to local small businesses with a low-down payment
- Loans cover the cost of land purchases and improvements, including existing buildings, grading, street improvements, utilities, parking lots, landscaping and new facility construction
- These loans also can be used to modernize, renovate or convert existing facilities as well as to buy machinery and equipment for the long term
- Financing cannot be used toward working capital or inventory, consolidating or repaying debit
- Competitive rates to save you money

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