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Business Banking

Business Loans That Move as Fast as You Do

From working capital to equipment to commercial expansion — we have the business lending solutions to power your next phase of growth.

Business Banking

Local Capital for Local Businesses

Westbeck Trust Bank has been a primary source of business lending capital in this region for nearly four decades. Our business loan officers understand local market conditions, industry dynamics, and the unique challenges that businesses here face. Every loan decision is made locally — by bankers who want to see your business succeed. We offer term loans, commercial real estate loans, equipment financing, and specialty programs for virtually every business need.

Key Benefits

All you need. Nothing you don't.

Fast Local Decisions

Loan decisions are made here, not at a distant headquarters. Most decisions within 5–7 business days of complete application.

Loans from $25,000 to $5M+

We finance businesses of all sizes, from small owner-operated shops to multi-location enterprises with complex capital needs.

Flexible Use of Proceeds

Finance working capital, inventory, equipment, real estate acquisition, business acquisition, renovation, and more.

Competitive Fixed & Variable Rates

Choose the rate structure that works best for your cash flow — fixed for predictability or variable to benefit from market movements.

Relationship-Based Lending

Your business banker knows your business personally. This relationship means more flexibility in structuring your loan terms.

Refinancing Available

Refinance existing business debt from other lenders to reduce your rate, extend your term, or free up cash flow.

Rates & Details

Business Loan Rates

Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.

Business Term Loan (Fixed)

12–84 month terms; up to $5M

From 7.50% APR

Featured

Business Term Loan (Variable)

Adjusts quarterly

Prime + 1.50%

Commercial Real Estate

5–25 year amortization

From 6.75% APR

Equipment Financing

Up to 100% financing available

From 6.99% APR

FAQ

Frequently Asked Questions

Most loan applications require: 2 years of business tax returns, 2 years of personal tax returns, current financial statements (P&L, balance sheet), business plan (for startups), and information about collateral if applicable.
For standard term loans, we typically require at least 2 years in business. For startups with strong business plans and owner equity, SBA programs may be available. Contact a business banker to discuss your specific situation.
Some business loans can be unsecured based on business revenue, credit history, and strength of the business. Larger loans typically require collateral (equipment, real estate, business assets). An SBA 7(a) guarantee can sometimes substitute for traditional collateral.