Business Loan Services
WHAT WE OFFER
Our loan officers are dedicated to providing service that is both fair and flexible.
At Twin City, our lenders take the time to understand your unique needs and financial goals. We are committed to making the process as smooth as possible, and handle your loan request promptly and efficiently, from start to finish.
Whatever your specialty, our experienced lenders can tailor terms to fit your needs. We believe every client deserves personal attention, thoughtful guidance, and a lending partner who genuinely cares. With clear communication, dependable support, and a welcoming atmosphere at every step, you can count on us.
Commercial Real Estate Lending
Our Commercial Real Estate Lending solutions are designed to help businesses and investors obtain the property they need to operate efficiently and grow with confidence. Whether you’re looking to purchase a new location, expand into a larger facility, or refinance an existing mortgage for better terms, our financing options support a wide range of property types, such as office buildings, retail centers, industrial facilities, warehouses, and mixed use spaces.
Multi-Family Real Estate
For investors and business entities seeking to acquire or refinance income producing, multi family properties, we offer customized lending programs that align with your investment strategy.
These loans can support the financing of apartment buildings, multi unit residential complexes, storage facilities, workforce housing, and mixed use residential portfolios when held as a business or investment asset.
Commercial Construction
We offer construction loans for ground up developments, renovations, expansions, and major improvements across commercial, industrial, and multi use properties.
Our team supports you through each phase of the process. With tailored terms and a collaborative approach, we ensure builders, developers, and business owners have the financial structure needed to keep construction moving on schedule.
Lines of Credit
Our business lines of credit provide flexible, on demand access to working capital so you can manage cash flow with confidence. Whether you’re covering seasonal expenses, purchasing inventory, handling unexpected costs, or taking advantage of time sensitive opportunities, a revolving line of credit gives you the ability to borrow only what you need - when you need it.
Equipment Financing
Our Equipment Financing solutions cover a wide range of assets, including industrial machinery, vehicles, technology systems, medical equipment, manufacturing tools, and more.
With attractive fixed or variable terms, predictable payments, and tailored financing structures, you can preserve cash flow while investing in the equipment that drives productivity and growth.
Government Guaranteed Loans
These programs are ideal for businesses seeking financing for working capital, equipment purchases, owner occupied real estate, business acquisitions, refinancing, or expansion projects.
By partnering with approved CDCs and with government agencies that guarantee a portion of the loan, we’re able to offer more favorable terms, lower down payment requirements, and extended repayment options.
Specialty Loans
Government‑Guaranteed Loans
Government‑Guaranteed Loans, such as SBA 7(a), SBA 504, and USDA Business & Industry loans, help businesses access capital with enhanced flexibility and reduced lender risk. These programs are ideal for businesses seeking financing for working capital, equipment purchases, owner‑occupied real estate, business acquisitions, refinancing, or expansion projects.
By partnering with approved CDCs and with government agencies that guarantee a portion of the loan, we’re able to offer more favorable terms, lower down payment requirements, and extended repayment options. Our specialists help guide you through the entire process, ensuring your business benefits from the advantages these programs provide while maintaining an efficient, transparent lending experience.
What is SBA Lending?
Small Business Association (SBA) Loans are government‑guaranteed small business loans designed to reduce barriers and support growth. Through SBA‑backed programs, we partner with approved lenders to offer capital on competitive terms, helping eligible businesses fund owner‑occupied real estate, equipment, working capital, business acquisitions, and refinancing—often with lower down payments and longer repayment terms than conventional options.
