Business Loans

At Twin Valley Bank we understand that no two businesses are alike.  That is why we offer a full range of loan products to fit the unique needs of your business.   We also understand that time is money, which is why our experienced commercial lenders are empowered to make decisions locally in a timely and efficient manner.  Contact us today to see how we can help.

Commercial Real Estate Loans

Used for the purchase or refinance of owner occupied non-residential commercial real estate.  Several interest rate, loan terms, and down payment options available. 

Investment Properties

Available for the purchase or refinance of 1-4 family, multi-family or other non-owner occupied commercial real estate such as office buildings or shopping plazas.  Several interest rate, loan terms, and down payment options available.

Lines of Credit

Utilized to provide short-term working capital to purchase raw material, inventory, finance accounts receivable or make payroll.  Variable rates with term up to 12 months and option to renew.

Equipment Financing

Finance new and used machinery, semis and trailers, work trucks, construction equipment or other critical non-real estate business assets. Fixed rates with loan terms of 5, 7 or 10 years based on remaining useful life of asset.

Construction Loans

Available for the construction of both owner and non-owner occupied commercial real estate projects of all types.  Our construction-perm loans allow for one closing with draw periods of 6 to 12 months and automatic conversion to permanent financing.  Several interest rate and down payment options with loan term up to 30 years available. 

Credit Card

Business credit cards available to facilitate online purchases or pay for various business products and services eliminating the need to establish vendor accounts leaving more time to focus on running your business.

Get Started

Twin Valley Bank means business when it comes to meeting the commercial lending needs of small businesses in our markets.  Our commercial lenders are ready when you are to find the right loan to fit your needs.  We are local lenders who understand our markets and have the independence to offer flexible and creative solutions.  Why wait?  Call today to schedule a meeting. 

Contact Us


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Twin Valley Bank is a well capitalized bank positioned to continue to serve our customers and community.  The bank was started over 135 years ago and we expect to serve this community for generations to come.  No one has ever suffered a loss on their deposits with Twin Valley Bank.  In addition to FDIC Insurance protection, you have the advantage of banking with a safe and sound financial institution that has stood the test of time.  For any further questions please feel free to reach out to us at 937-839-4628.


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