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Commercial Term Loans & Lines of Credit

Find the funding to fuel your company’s success.

Whether it’s a specific financing need or having access to more capital to help your business grow, we offer a variety of commercial and small business loans. Through a consultative process with your Commercial Loan Officer, we take the time to understand your business, your industry, and your challenges. Together, we would be delighted to assist you in making your goals for growth and continued success a reality!

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Plan for long-term growth with a Commercial Term Loan

  • Longer term loan (5-7 years) financing available for expansion projects, equipment purchases, commercial vehicle purchases, existing debt refinancing, or building improvements

  • Tailored and anticipated repayment terms over a fixed period of time

  • Fixed or floating interest rates

  • Secured by collateral that may include business assets such as vehicles, equipment, inventory, and accounts receivable

Access working capital with a Commercial Line of Credit

  • Variable rates and lines of credit in amounts suitable to your business operating needs

  • Monthly payments range from required interest only with the option of paying principal and interest to better fit your operating cash flow

  • Terms of up to two years if applicable

  • Access and control of the line of credit is in your hands with convenient ways to advance funds from the line or pay down the outstanding balance through our Online Banking and Treasury Management services

Acquire or refinance a commercial building with a Commercial Mortgage Loan

  • Longer fixed terms of 5 to 7 years amortized over 20 to 25 years to make monthly payments flexible in order to meet your budget

  • Monthly principal and interest payments required

  • Fixed or floating interest rates

  • Secured by a first mortgage lien on the real property being financed. The real property must be owner occupied with a related owner occupant tenant business.  Typical property types include industrial buildings, warehouses, distribution centers, manufacturing facilities, or other owner occupied building types.

  • Loan amounts vary up to a maximum of 75% loan to value after bank approved property appraisal has been conducted. Speak with your loan officer for more details.

 

Do You Own a Business Generating up to $1 Million in Revenue and Need Working Financing?

Kearny Bank’s Small Business Express Loans provide you the financial flexibility you need to succeed.

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Related Products

 Explore our range of business banking services today.

Simple Business Checking
Simple business checking with a low minimum balance.
Kearny Insured Liquidity Sweep
Maximize interest overnight and have cash available in the morning.
Treasury Management Services
Mastering your cash flow: from payables to receivables. 
Money Market Advantage
Start small, but earn big interest as your business savings grow.

Get Started Today

One of our Commercial Loan Officers will get in touch with you shortly.

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