Building Our Community

Through Business Loans

Local businesses, big and small are the foundations of our communities.

Whether you need a short-term business loan or an open-ended line of credit, unforeseen expenses, or unexpected growth, we have a loan that works. Speak with a local commercial loan officer who can help you make the decisions that make things possible. See below for details. 

Business Loans

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Willamette Valley Bank - Product Options

Commercial Real Estate Loans

  • Land Development (subdivision development): Loans utilized to develop land or lots for residential or commercial use. The completed product is often sold to builders or end users for further development, which repays the loan.
  • Construction Loans (residential or commercial): This product helps you build, remodel or expand your improvements.
  • Retail, Office, Industrial, Warehouse & Multi-family: These property types can be refinanced or purchased using our commercial real estate loan products. These loans are available for owner occupied properties or investment properties.
  • SBA 504 Loans: Available as a government guaranteed loan program, this type of loan provides long-term fixed asset financing usually for owner occupied real estate. For loans that qualify for this program, the borrower may have a lower down payment with a longer loan term.

Commercial & Industrial Loans

  • Business Lines of Credit: Lines of credit are available to support a business’ short-term working capital needs. This product features interest only payments with principal reduced as the cash cycle strengthens. The typical term for this product is 1 year.
  • Business Term Loans: This product is used to finance equipment, vehicles, facility enhancements or business expansion. Characteristics include monthly principal and interest payments typically amortized in 5 years or less.
  • Letters of Credit: This product is put in place to guaranty performance or payment to the beneficiary. Letters of Credit normally have a term of 1 year and accrue interest only if drawn upon.
  • SBA & Business Oregon loans: These products are available through government loan programs and exist to support small businesses. See a Willamette Valley Bank commercial loan officer for specific details about these products.

Agriculture Loans

  • Operating Lines of Credit: This product provides cash flow to support a farm’s operations during their agricultural cycle. The line requires interest only payments monthly with principal repaid following harvest.
  • Machinery & Equipment Financing: Financing available to support the purchase of new or used farm equipment. The loan is repaid through monthly installments usually amortized in 5 years or less.
  • Farmland / Real Estate Loans: This product supports the acquisition/expansion or refinance of a farm’s real estate.

Willamette Valley Bank

Commercial Loan FAQs

I want to start my own business, but am not sure where to get the capital.

WVBK offers a variety of guaranty loan programs to help small businesses get started. These programs are through agencies such as SBA, USDA, and Business Oregon, that provide terms specific to the borrowing need and allow the bank to make loans that otherwise may not qualify.

I want to buy an apartment complex.

WVBK offers a variety of commercial loan programs including construction, purchase and refinance of multi-family investor properties.

I own land and want to develop it.

A Land Development Loan could be what you are looking for. Land Development (subdivision development): Loans utilized to develop land or lots for residential or commercial use. The completed product is often sold to builders or end users for further development, which repays the loan.

I want to build a new corporate headquarters for my company.

WVBK offers a loan program that will take you from land purchase to construction to long term financing that can make your idea of a new corporate headquarters a reality.

My business is seasonal and I need cash flow support.

WVBKs Operating Line of Credit might be your solution. It is designed to even out your cash flow cycle by making funds available during the time your working capital is tied up in preparing for your busy season and allowing you the flexibility to repay the line when cash flow permits.

I want to buy the building my company is currently leasing.

WVBK offers commercial real estate loan products to help you. Retail, Office, Industrial, Warehouse & Multi-family: These property types can be refinanced or purchased using our commercial real estate loan products. These loans are available for owner-occupied properties or investment properties.

My business has grown and I need to expand.

Business Term Loan, Machinery & Equipment Financing are options to help you during growth. This product is used to finance equipment, vehicles, facility enhancements or business expansion. Characteristics include monthly principal and interest payments typically amortized in 5 years or less.

Willamette Valley Bank