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Cogent Bank

Learn More About Commercial Lending

Term Loan

Term loans provide an effective way for your business to fund specific projects and initiatives. When your business needs a predetermined sum of money to grow or purchase assets, talk to your Lender about obtaining a Credit Facility that fits your business' financing needs. We will work with you to determine whether a long or short term loan is best to meet your company's objectives and cash position. We understand that all financing and repayment needs are different. By thoroughly analyzing your unique situation we can help you make a sound financial decision that will benefit your business now and into the future.

  • Low rates for most business needs:
    • Equipment loans-see more details below
    • Real estate loans
    • Working capital loans
    • And much more
  • Low interest rates
  • Various terms available
  • Pre-approval available
  • Local underwriting, decision making and administration

Business Lines of Credit

Whether it's keeping up with market demands or jumping on new opportunities, a business line of credit from Cogent Bank provides immediate funding. Because it's a revolving line, there's no need to reapply for a new loan once you're approved. Tap into your credit when the need arises — quickly and conveniently. And unlike a term loan, you only pay interest on your the balance when you need access to your funds.
  • Competitive rates for a wide range of long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
  • Provides greater financial flexibility
  • Repayment customized based on your business's unique needs
  • Funds available when you need them. 
  • Flexible repayment terms
  • Local underwriting, decision making, and administration

Equipment Loans

Old-fashioned hard work counts for a lot, but it won't make much of a difference without the right tools. Give your business the equipment it needs to succeed. An equipment loan from Cogent Bank will keep you ahead of the competition, while preserving your working capital. And because we're a local business too, we can provide attentive service and quick approvals.

  • Finance new or used equipment
  • Available to businesses in a range of industries
  • Avoid costly lapses in production
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition
  • Competitive rates with accommodating repayment terms
  • Local underwriting, decision making, and administration