Financing designed to help your enterprise thrive.
Customers Bank provides a range of commercial lending products, including commercial real estate loans, asset-based lending, and SBA loans. These solutions offer businesses tailored financing options to support growth, manage working capital, and fund strategic initiatives with expert guidance.
At Customers Bank, we understand that access to appropriate capital is fundamental for business expansion and operational success. Our diverse portfolio of commercial lending products is designed to meet the varying financial needs of companies, from small enterprises to larger corporations. We focus on providing financing that not only addresses immediate requirements but also supports long-term strategic objectives, enabling businesses to seize market opportunities and maintain competitive advantage.
Our approach to commercial lending goes beyond simply providing funds; we aim to be a strategic financial partner. This means offering solutions that are structured to align with your business cycle, cash flow patterns, and growth trajectory. Whether you're looking to acquire new assets, manage daily operations, or fund a significant expansion, Customers Bank has the expertise and product range to assist.
We specialize in delivering customized financial instruments that include commercial real estate loans, asset-based lending, and government-backed SBA loans. Each product is carefully designed to provide specific benefits, ensuring that your business receives the most suitable and effective financing to fuel its ambitions and achieve sustainable growth.
Investing in commercial property is a significant step for many businesses, offering opportunities for expansion, revenue generation, or operational stability. Customers Bank provides commercial real estate loans that are structured to support your property acquisition, development, or refinancing needs. Our financing options cover a wide range of property types, including office buildings, retail centers, industrial facilities, and multi-family residential properties.
Our experienced real estate lending team works closely with you to understand your project specifics and financial goals, crafting loan terms that reflect market conditions and your business's unique situation. We are committed to helping you make sound real estate investments that contribute to your company's future success.
For businesses seeking flexible and scalable financing tied directly to their operational assets, Customers Bank offers asset-based lending (ABL). This solution allows you to leverage your company's current assets, such as accounts receivable, inventory, and equipment, to secure a revolving line of credit. ABL provides immediate liquidity, making it an excellent choice for companies experiencing rapid growth, seasonal fluctuations, or those requiring capital for turnarounds and acquisitions.
Asset-based lending provides a direct link between your company's operational strength and its borrowing capacity, offering financial agility.
The primary advantage of asset-based lending is its ability to grow with your business. As your accounts receivable or inventory increase, so does your borrowing base, providing more available capital without the need for additional negotiations. This type of financing is particularly effective for manufacturers, distributors, and service providers who have substantial current assets on their balance sheets. It helps improve cash flow management and provides a reliable source of funds for operational expenses, payroll, and strategic investments.
Customers Bank is a proud partner in offering Small Business Administration (SBA) loans, providing government-backed financing solutions designed to help small businesses access critical funding. SBA loans come with several advantages, including lower down payments, longer repayment terms, and competitive interest rates, making them an attractive option for many entrepreneurs. These loans can be used for a variety of purposes, from purchasing real estate and equipment to funding working capital and business acquisitions.
Our team of experienced SBA lending specialists guides you through the application process, ensuring you understand the requirements and benefits of each program. We work to match your business with the appropriate SBA loan, helping you secure the financing needed to achieve your goals and contribute to economic growth. Learn more about SBA programs directly from the U.S. Small Business Administration.
Every industry has its own unique financial cycles, regulatory environments, and growth drivers. Customers Bank recognizes this diversity and offers customized lending solutions that cater to the specific demands of businesses across various sectors. Whether you operate in manufacturing, healthcare, technology, retail, or professional services, our lending experts possess the industry knowledge to structure financing that truly fits your operational model.
We take the time to understand your business's specific challenges and opportunities. This detailed approach allows us to craft loan packages that consider factors like seasonal revenue fluctuations, equipment depreciation schedules, project-based financing needs, or expansion into new markets. Our goal is to provide financial tools that are not just generic but are precisely calibrated to support your specific industry's requirements and growth ambitions.
This commitment to tailored financing ensures that your capital works harder for you, providing the necessary liquidity and investment capacity without unnecessary constraints. We believe that effective business financing is about more than just money; it's about providing solutions that integrate seamlessly with your operational strategy and contribute directly to your success.
Choosing the right financial partner for your commercial lending needs is a critical decision. Customers Bank distinguishes itself through a commitment to personalized service, deep industry expertise, and efficient processes. We understand that every business is unique, and our lending professionals are dedicated to providing individual attention to truly understand your financial goals and operational structure.
Our team consists of seasoned lenders who bring extensive experience in various sectors, enabling them to offer insightful advice and structure appropriate financing solutions. We pride ourselves on a responsive and transparent process, ensuring that you receive clear communication and timely decisions. This focused approach helps simplify the often-complex world of business financing, making it more accessible and effective for our clients.
At Customers Bank, we are more than just a lender; we strive to be a trusted advisor. We aim to build enduring relationships with our business clients, supporting their financial journeys through every stage of growth. Our commitment to your success is reflected in our flexible products, expert guidance, and dedication to delivering a superior banking experience. Understand the regulatory framework for commercial lending from the Office of the Comptroller of the Currency (OCC).
| Lending Product | Key Benefit | Typical Use Cases | Customers Bank Advantage |
|---|---|---|---|
| Commercial Real Estate Loan | Long-term asset acquisition | Property purchase, construction, refinancing | Flexible terms, experienced CRE lenders |
| Asset-Based Lending | Flexible working capital | Inventory financing, accounts receivable funding | Scalable lines, quick liquidity access |
| SBA 7(a) Loan | Government-backed flexibility | Working capital, equipment, business acquisition | Favorable terms, expert guidance |
| SBA 504 Loan | Fixed asset long-term financing | Real estate, machinery purchases | Lower down payments, stable rates |
Customers Bank offers a diverse range of commercial lending products, including commercial real estate loans for property acquisition or development, asset-based lending for working capital, and various government-backed SBA loans. These solutions are designed to address different business financing needs and growth stages.
Customers Bank's commercial real estate loans provide financing for purchasing, constructing, or refinancing commercial properties such as offices, retail spaces, or industrial facilities. They offer flexible terms tailored to your specific project, helping you expand your physical footprint or optimize existing property investments.
Asset-based lending (ABL) from Customers Bank allows businesses to secure financing by leveraging their current assets like accounts receivable and inventory. This provides a revolving line of credit that fluctuates with your borrowing base, offering immediate and scalable liquidity to support operations, growth, or seasonal demands.
SBA loans offered by Customers Bank are specifically designed to support small businesses with favorable terms, often including lower down payments and longer repayment periods. While not every business will qualify, our specialists can help determine if an SBA 7(a) or 504 loan is the right fit for your specific financing needs, such as working capital or fixed asset purchases.
Customers Bank recognizes that each industry has unique financial requirements. Our lending experts take the time to understand your specific sector's operational cycles, challenges, and growth opportunities. This allows us to customize loan structures and terms that precisely align with your industry's demands, providing more effective and relevant financing.
Customers Bank