Our responsibility and commitment to you go beyond simply providing a product.

Rather, it’s to guide you towards a carefully considered financial solution that will be in your best interests. Short and long-term. What type(s) of commercial loans should you be considering? Start here:

Small-Business Loans

- Business Lines of Credit. Empower you to fund working capital demand, inventory purchases or cover temporary shortfalls in accounts receivables.
- Term Loans. Enable you to purchase equipment, pay for capital improvements, renovations or expansions or even purchase a business.
- Land Mortgages.
- Equipment Loans.
- Commercial Mortgages (for owner occupancy or investment).
- Construction/Development Loans (residential subdivisions or commercial project).
- Loans secured by your passbook or certificate accounts and personal loans are also available.

Commercial Real Estate Loans

Reading Co-operative Bank provides purchase capital for mortgages on commercial and investment real estate. Commercial, construction, residential, and subdivision-development loans are available.

SBA LowDoc Loans

Our preference is to fund loans directly through our Institution. However, in cases where a loan proposal may be under collateralized or a start-up venture, Reading Co-operative Bank – through its established relationship with the U.S. Small Business Administration (SBA) – will opt to obtain a loan guaranty.

The SBA LowDoc Loan is the simplified loan guaranty program provided for small businesses (i.e., under $5-million in annual revenue) requesting loan funds of $150,000 or less. Reading Co-operative Bank also participates in other, local, community- based funding sources which are designed to assist residents and business.

We pride ourselves in our ability to offer our customers personal assistance before and after the loan has closed! Please do not hesitate to contact us.

Get the answers to the most frequently asked Lending questions.