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Commercial Banking Products & Services

Your company’s commercial banking relationship with us is a true partnership. Together we pursue the shared goals of growing your business, and our business community.

As strong partners, we invest in your success with our 157+ years of commercial banking experience, products and services, and we become invested in your business, personally.

Our commercial banking team is always accessible and ready to customize a comprehensive solution for your operations, with everything from loans and lines of credit to retirement and benefits and financial planning services .

So let’s get started, because strong partners push businesses forward, together.

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Commercial Banking Products

Manage your finances efficiently and cost-effectively with one of our three checking options.

Earn competitive interest rates with FDIC insurance while maintaining easy access to your cash.

Get instant access to cash for immediate expenses or working capital.

Tap our lending power for short and long-term loans and mortgages.

Commercial Investment and Insurance Products

"With every loan, trust and communication are key. Right up front, I set expectations about what the lending process will be like from start to finish. " —Nick Alberalla, Banking Officer

Watch our video to see how Dr. Benjamin Oppenheimer, DDS, relies on Nick to keep his loan applications moving.

George Shannon, president of Saxton Sign, credits his company’s growth to trusting our Commercial Banking Officer, Eric Magnano. Watch our video to see how their strong partnership is helping Saxton Sign advance its strategic goals.

Business Bankers Near You

The Confidence of Knowing that Your Bank Knows Your Business

When Bill Ruark needs something for his business, he worries less knowing that his commercial lender will move mountains to make it happen.

Understanding Ups and Downs of Business is a Must

Market fluctuations are a part of business. So it’s critical for businesses to know their lenders will stick by them through it all.

Business Works Better When It’s Personal

Rick and Kristen Angelicola built successful senior care properties from the ground up, thanks in large part to the support from  CBNA .

BANKING YOU CAN COUNT ON

Better banking starts with trust—and we’re honored to be recognized for it.

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Corporate and Commercial Banking

Turn business opportunity into reality., achieve your business goals at every stage of your journey.

You need a financial partner that understands corporate banking and commercial banking needs for your organization. We’re here to help you withstand economic fluctuations and succeed in a fast-changing, competitive market. Count on us to guide you through financial challenges, so you can focus on the critical journey ahead.

Browse banking solutions.

From capital markets to payables and receivables, browse the full range of products and service offerings to help your business succeed.

Browse industry banking.

Work with an industry banking expert who knows key regulatory and market trends impacting your bottom line.

2024 CFO Insights Report

In an uncertain economic and geopolitical environment, senior finance leaders are attempting to strategize for long-term growth while mitigating short-term risk.

Of the 2,030 leaders who responded to our newest survey, 44% say cutting costs in the finance function is top priority, yet they clearly see the need to invest for future growth. In short, they’re seeking to balance defense with offense.

Dive deep into the survey results and discover valuable insights you may be able to apply to your own organization.

A financial partner that understands your business needs

We’re here to help you adapt in a changing marketplace with our corporate banking and commercial banking services.

• Dedicated service for a seamless experience
• Relationship focused on your business journey
• Strength and stability for your peace of mind
• Forward thinking to help you keep pace

What is Commercial Banking?

Commercial banking provides customized banking products and services to middle market companies with annual sales ranging between $25 million and $1 billion . Middle market companies often have more complex financial needs than small businesses, and they can benefit from the specialty of a commercial banking partner to help them work toward their financial and operational goals.

What is Corporate Banking?

Corporate banking partners with large public and private firms with revenues greater than $1 billion ; other financial institutions; and city, county and state governments. Partnering with a relationship manager who is often specialized in your industry, corporate banking works with you to explore industry-specific solutions unique to the complexity of your organization’s needs.

A corporate and commercial banking partner you can trust

Our best-in-class ratings and dedication to making ethical decisions mean we’re a bank you can trust regardless of economic fluctuations. And that’s earned us the distinction of being repeatedly named one of the World’s Most Ethical Companies ® by Ethisphere .

Get the right business banking services for your organization’s needs.

Small businesses.

Whether you're just starting out or are established with up to $25MM in annual revenue, we can help you manage your small business banking needs.

Scale-up businesses

As your revenue grows beyond $25MM, we're ready to support your growth with everything from financing to more customized payment services.

Mid-sized companies

If your company has an annual revenue from $25MM to $1B, our commercial banking division will help you work toward your financial goals.

Large corporations

For large public or private firms with annual revenues greater than $1B, our corporate banking division provides a specialized financial partner.

News & stories

Tips from financial iq.

Find strategies for your personal and business finances.

News from U.S. Bank

Read the latest updates from the fifth-largest commercial bank in the country.

Stories from U.S. Bank

Enjoy heartening stories and get some feel-good motivation.

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Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC , an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association.

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What to Look For in a Commercial Bank

August 19, 2020.

Finding a commercial bank for your business isn’t something you should take lightly — they’ll be instrumental in your ability to invest and move money around, this can have a major effect on the future success of your business. If you’re looking for a new commercial bank, there are a few factors that are important to keep in mind.

Evaluate Your Banking Needs

The kind of bank that you want will depend heavily on your business’ specific banking needs. Every business is different, and the same goes for commercial bank accounts. Think about things like:

• How many transactions you’ll be making. Some commercial banking accounts will have caps on the amount of money you can move in a month, delays for moving large sums, or fees associated with big transactions. You need to be sure that your account can accommodate the kind of banking you’ll be doing.
• The amounts you’re working with. As with the number of transactions you’re conducting, the total amounts will make a difference from bank to bank in terms of the fees and service you’ll be entitled to. Go into a banking discussion with some hard numbers in mind to find the best bank for your business.
• Rates and fees. Every bank’s rates and fees are different. There may be fees for low balances, monthly service fees for certain services or accounts, maintenance fees, and fees associated with business checks. You’ll also want to compare interest rates on savings accounts, CDs, and other financial instruments that you might be using.
• Loan options. There’s no rule that says that you have to get your business loans from the same institution that you bank with, but it’s certainly more convenient. If your business is in such a position that you think you’ll need loans in the short- or mid-term future, you should look into the loan offerings at the bank you’re considering.

Your Banking Relationship

You should also take into account the kind of relationship you want to have with your bank. Some people want a set-and-forget banking relationship, where they make their deposits at the end of the week and don’t really think about their money sitting in a checking account.

Others want a much more hands-on personalized experience. You might want your money to go into a money management account or brokerage account, and you want to talk to someone on a regular basis about how that money is invested. You want to meet with the same banker or team and be able to reach them on the phone every time that you reach out. You want advice on how to handle your money, and you want to hear from experts.

Experience and Expertise

There are very few commercial banks out there that genuinely don’t know what they’re doing, so this isn’t so much a matter of finding an expert as finding the kind of expert you want. Ask your bank about their experience with businesses in your industry and markets, as well as their experience with businesses of your size and usage. If you’re interested in a particular type of financial instrument, ask your bank about their experience working with them.

Let’s Talk Personalization

The final consideration is the personalization of your experience. At First Western Trust, we pride ourselves on our holistic, tailored approach to all your banking needs. While some banks will pigeonhole you into a particular set of accounts based on your business’ size and income needs, we create a plan that’s built specifically for you and your business, including your goals, values, and priorities. If you’re ready for a commercial banking experience that’s built just for you, contact us today !

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Open a Popular Business CD today to lock in a competitive rate.

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For a limited time only, apply for special rates on a business term loan or line of credit up to $500,000 . See offer page for details.

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Commercial Checking Accounts

Meet the high-volume demands of your business with a commercial checking account.

A commercial checking account designed for your business.

Manage your company’s daily finances with ease when you open a commercial checking account with Popular Bank. If you’re a business with a high volume of transactions and higher balances, our commercial checking account is designed with you in mind. Our commercial checking account is customized to meet the demands of your businesses—whether you’re a small or mid-sized company, city or state government agency, or nonprofit.

Discover the benefits of a commercial checking account.

Offset fees.

Receive an earnings credit based on your balance to offset or eliminate account fees. 1

Get ongoing support

Your dedicated Relationship Manager is here for you every step of your financial journey.

Manage cash flow

Enroll in our treasury management services and get access to a dedicated team that understands your needs. 2

Documents you'll need to open an account .

Ready to get started.

Based on your business type, you’ll need to prepare certain documents and bring them with you when you visit your local branch . Generate a personalized checklist of necessary documents by selecting your business type.

My business is a:

Here's what you'll need:.

• Articles of Incorporation
• Tax ID # - EIN Assigned Letter from IRS
• Ownership Flow Chart
• Photo ID for all authorized signers
• Filing Receipt
• Fictitious Business Name Filing (CA only)
• Trade / Assumed Name Agreement (if applicable)
• Partnership Agreement
• Registration
• Articles of Organization, LLC Operating Agreement, or Bylaws
• Business / Occupational License (if applicable)
• Verification of address and phone number
• Any documentation indicating organization formation (bylaws, meeting notes/minutes, charter, resolution, letter of direction, etc.)
• Certification of Beneficial Owners (UBO)

Let's make a plan to drive your business forward.

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Why choose Popular Bank?

Personalized service.

We’re very hands-on throughout the entire process, and we become like an extension of your business.

Customized solutions

We think outside the box to provide creative solutions that meet the needs of your business.

Ease of doing business

A dedicated member of our team is ready to take care of all your business banking needs.

Get treasury management advice.

Find out how our full suite of treasury management solutions can help you, whether you have simple or complex needs. As a commercial checking account holder, you can receive a complimentary consultation with a Popular Bank Treasury Management advisor. 2

Explore our other business banking solutions.

Access your account 24/7 with business online banking..

Enjoy real-time access to your accounts anytime with Business Online Banking and the Popular Business Mobile app.

Earn rate discounts on business loans.

New and existing commercial checking account holders can earn competitive rate discounts on Popular Bank loans up to $500,000 . 3 Learn more about how our business loans and lines of credit can help you reach your business goals.

Manage cash flow with our commercial credit card.

Take charge of your business expenses with our hands-on card management tools, so you can fulfill your financial priorities without tying up your cash or working capital.

Find the right checking package for your business.

Choose one of our three business packages and get a simple, all-in-one business solution that meets your daily needs.

Connect with us today.

Our commercial banking team is here to offer the essential solutions you need to achieve and sustain business growth.

Business Insights

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1 The earnings credit rate is a variable rate based on the amount of funds in your checking account and is subject to change. For more information, view the Business Banking Disclosure and Agreement .

2 Subject to enrollment in our treasury management services. Terms, conditions and fees of accounts, products and services are subject to change.

3 All loans are subject to credit review and approval. Rates, program terms and conditions vary by state and are subject to change without notice.

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Prepare for future growth with customized loan services, succession planning and capital for business equipment.

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• Syndicated Financing Leverage customized loan syndication services from a dedicated resource.
• Employee Stock Ownership Plans Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

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Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

• Institutional Investors We put our long-tenured investment teams on the line to earn the trust of institutional investors.
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Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

• Center for Carbon Transition J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
• Corporate Finance Advisory Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
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Connect to all your accounts through one unified, easy-to-navigate portal. Get your loans, cards and merchant services accounts in one place with Chase Connect®.

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Our commercial card program can help your employees spend less time authorizing, tracking and processing expense data.

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Digital Bill Payment is an innovative bill presentment and payments solution that grows with your business.

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Whether you’re a national real estate developer, affordable housing operator or local investor, we can help you streamline your online rent payments.

Who we serve

Innovation economy, midsize businesses, large corporations, commercial real estate.

JPMorgan Chase has the expertise and financial solutions to support your business from early stage to IPO— and everything in between.

Seize growth opportunities with our custom banking solutions and global resources designed for middle market businesses and specialized industries.

From complex operations to global competition, we’re here to help. Leverage the power of JPMorgan Chase to solve your business challenges.

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Our commercial and investment banking specialists draw on their expertise across industries to help manage your finances and grow your business.

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With a mission to uplift others and leave a positive mark on the world, BCforward’s Justin and Darrianne Christian are building an IT powerhouse and inspiring students at their alma mater.

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Transitioning to the civilian world is challenging for many veterans. Andy Moye found a way to continue serving his community as CEO of Paige.

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Before buying, selling or financing a commercial property, investors must determine the property’s value. We outline the top three valuation methods.

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Weathering retirement and estate planning headwinds facing LGBTQ+ people

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How can LGBTQ+ individuals and couples navigate unique needs for successful retirement and estate plans?

How have our views played out in 2024?

Ahead of our Mid-Year Outlook, our strategists discuss what they’ve gotten right and wrong so far this year. Plus, what they are excited about on the road ahead.

Eye on the Market: A piece of the action

How parents can create financially independent adults, contributing to your community’s economic development, build your future.

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Commercial Loan: What It Is, Types and How to Get One

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What is a commercial loan?

A commercial loan is debt-based financing that’s used to fund business expenses, like purchasing equipment or real estate. With a commercial loan, you borrow capital from a financial institution, such as a bank, credit union or private lender, and you repay it over time.

Commercial loans vs. business loans

In general, commercial loans and business loans are the same thing: money that a company borrows from a lender to pay for its expenses. Sometimes, these terms are used interchangeably, but that’s not always the case.

Within the financial industry, “commercial loan” tends to refer to products targeted at larger businesses. These loans are typically available in larger amounts and often require physical collateral . They may also have more in-depth applications and stricter qualification requirements.

A “business loan” or “ small-business loan ” on the other hand, refers to financing designed for smaller-sized companies. Compared to commercial loans, these products are usually available in smaller amounts and may have more flexible loan features.

» MORE: What is a business loan?

How much do you need?

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We’ll start with a brief questionnaire to better understand the unique needs of your business.

Once we uncover your personalized matches, our team will consult you on the process moving forward.

How do commercial loans work?

Commercial loans are typically structured as business term loans , in which a lender provides you with a lump sum of capital that you repay over a specific period of time, with interest. These loans may also be structured as lines of credit, however.

With a commercial line of credit, you have access to a set amount of funds that you can draw from and use as needed. You only pay interest on the money you use, and once you’ve repaid what you’ve borrowed, the credit line resets.

Commercial loan amounts, repayment terms, interest rates and qualifications vary largely based on lender and loan type.

Types of commercial loans

Some types of commercial loans are meant for specific purposes, such as:

Equipment financing. These loans can help you purchase large or highly specialized equipment for your business.

Commercial real estate loans. Similar to mortgages, these loans can help you buy or renovate property.

Commercial auto loans. These are used to buy vans, trucks or other vehicles for your business.

Commercial construction loans . Finance new building projects or major renovations with these loans.

Commercial bridge loans . This is a type of short-term financing typically used in commercial real estate to take advantage of an immediate opportunity and cover the gap until you can find a long-term option.

Commercial hard money loans . Hard money lenders focus heavily on the value of your collateral — usually commercial property or land — when underwriting applications, as opposed to more traditional loan requirements.

Where to get a commercial loan

You can get a commercial business loan from multiple sources. Factors like cost, funding time and your business’s qualifications can help you determine where to look.

Banks and credit unions

If you’ve been in business for at least two years and have good credit, commercial loans from banks or credit unions usually offer lower annual percentage rates, or APRs, than other business financing options.

However, the application process tends to take longer than it does with other lenders, and you may have to provide collateral.

» MORE: Best banks for commercial real estate

U.S. Small Business Administration

The SBA works with many lenders — typically banks and credit unions — to offer several kinds of commercial loans. SBA loans generally have long terms and low interest rates; but to qualify, they tend to require several years in business and good credit like banks do.

These loans can also be slow to fund, although some preferred lenders offer expedited applications.

Online lenders

Online business loans can be approved more quickly than bank loans, sometimes within a day.

Online lenders typically have less stringent requirements, too, meaning you can qualify for funding if you lack collateral or haven’t yet been in business for two years. APRs tend to be higher, but so do loan approval rates.

» MORE: Compare the best fast business loans

Nonprofit lenders

Nonprofit organizations usually focus their lending efforts toward borrowers in their local communities, especially those who can’t qualify for traditional financing. These lenders offer a range of loan products, as well as business training and coaching.

Some nonprofit lenders also offer SBA microloans , which are available in amounts up to $50,000. These loans tend to have flexible qualification requirements and competitive terms.

If you’re just starting a business or can’t qualify for other options, you might consider nonprofit lenders in your area.

How to get a commercial loan

Follow these steps to get a commercial business loan.

1. Decide what type of financing is right for you

What kind of loan you need will depend on how much you need to borrow, how fast you need it and what you need to finance. For example, you’ll probably want a commercial real estate loan for a property purchase.

2. Figure out how much you can afford to borrow

You don’t want to take out a loan that you can’t afford to repay. You should look at your finances and determine what loan amount and payment schedule make sense for your business.

Note that shorter-term options may require weekly or daily payments, as opposed to monthly.

Use our business loan calculator to estimate your repayments.

3. Evaluate your eligibility

Although commercial loan qualifications vary from lender to lender, most will underwrite your application based on standard criteria: personal credit score, time in business and annual revenue.

In general, to qualify for a business loan from a traditional lender, you’ll need:

At least two years in business.

Good credit (a score of 670 or higher).

Strong annual revenue (requirements can range from $50,000 to $250,000).

Online lenders, on the other hand, may be more flexible. These companies may accept lower credit scores and less than two years in business.

4. Research lenders

Consider which lenders offer commercial loans you’re likely to qualify for and which offer the type of financing you need. Here’s a list of small-business lenders you can use to get started.

As you compare options, make sure to consider factors such as:

How much you can borrow.

Potential interest rates and fees.

Loan terms.

Application process and speed.

Lender reputation and customer service.

5. Apply for a loan

The commercial loan application process will depend on the lender you choose, but you’ll typically need to compile and submit the following paperwork:

Personal and business bank statements.

Personal and business tax returns.

Financial documents, such as balance sheets, income statements and profit and loss statements.

Description of collateral (if necessary).

Existing debt schedule (if applicable).

If you’re applying for a specific type of commercial loan, you may be asked to provide additional documentation unique to that loan type. Commercial real estate loan applications, for example, may require a real estate appraisal, a cost breakdown and a copy of any purchase agreements.

Once you’ve submitted your application, it could take anywhere from one day to several weeks for you to receive a decision, depending on the lender.

» MORE: How to get a business loan

Alternatives to commercial business loans

If a commercial loan doesn’t make sense for your business, consider these alternatives:

Short-term loans. If you need to manage your cash flow or cover daily expenses — as opposed to finance a large project — a short-term loan may be a better option for your business. These loans or lines of credit are usually available from online lenders and fund quickly. However, as a result, they often have higher interest rates.

Small-business grants. If you want to avoid debt entirely, you might explore small-business grants for free financing. Although grant applications can be competitive, they’re a great solution if you can secure one. Grants are available from federal, state and local governments, as well as private corporations.

Business credit cards. If your business hasn’t been around long enough to qualify for a commercial loan, business credit cards can help you spread purchases out over several payments. Still, their relatively low credit limits may make it challenging if you need to finance a substantial purchase. You might also consider a personal loan for your business , which will likely offer a higher limit than a credit card but might come with a higher interest rate.

» MORE: Business credit card vs. business loan

Essentially, yes. Both of these terms refer to money that you borrow from a lender to pay for business expenses and pay back over time. However, sometimes “commercial loan” is used to describe loans for larger companies, and “business loan” loans for smaller companies.

A commercial loan is a good option to finance growth or expansion for your business. These loans can be used for a variety of purposes and are often available in large amounts. And, if you have strong qualifications, you’ll likely be able to access low interest rates and long repayment terms.

Many, but not all, commercial loans will require collateral. Traditional lenders are more likely than online lenders to require that you put up collateral to secure your loan.

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We confirmed receipt of the funds this morning in our account. We are BLOWN AWAY by the service of you and the ACB&T group. We submitted our PPP application last Thursday, were approved by the SBA on Friday, signed the Promissory Note on Monday, and received the loan proceeds on Tuesday. Nothing in business is supposed to work that quickly.

- Raymond P. Kolak, Attorney at Law Echart Kolack LLC

Thank you to Melissa and the rest of ACB team for your hard work and dedication in securing the CARES Act loan. Although the rollout of the program by the SBA was chaotic and disorganized, you and your team helped guide us through the complex web of continuously changing requirements. ACB was one of the first banks that began accepting applications for the loans on Friday, April 3rd and, even though our applications were extremely complicated, worked tirelessly to get our approvals on the 4th. We received our funding on Tuesday the 14th for the full amount of application. If it weren't for the hard work and dedication of you, Melissa and the rest of the team, we likely would have been shut out of the program and our entire company would be at risk. Although you have always set a very high bar for customer service, somehow you continue to surpass the mark. Thank you!

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The ACB team has truly re-defined what "coming through for you" is all about. When the CARES Act was announced, and in particular PPP Program, Jon immediately jumped into "the lane" and drove to the basket for us. He got us applied, approved, and funds in our account in 7 days. Unheard of! So much appreciation for you having our backs, a true confident, comforting feeling in a world where that just doesn't exist.

- Tom Duff, President Optimus

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Chase Bank Ground Lease

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5256 Providence Rd, Virginia Beach, VA 23464

Investment highlights.

Signalized corner intersection | Providence Rd & Fairfield SC

Brand new scrape & rebuild of old Domino’s building shown in aerials

Desirable lease | Fresh 15-year term

Absolute Net Ground Lease | Zero landlord responsibilities

Corporate lease | JP Morgan Chase Bank, N.A. | 4,700 locations worldwide

Investment grade credit | A+/A2

Outparcel of Fairfield Village Shopping Center | Approx. 200K SF of retail space | Food Lion & TJ Maxx anchored | Recent renovations

$1.5M spent on center CapEx | Including repaving of drive aisles, upgraded lighting and under-canopy, new sidewalks, new paint, and replacement of roofs and decorative roofs

Attractive population density within a 5-miles radius | 322,678 people

Hampton Roads area is home to largest military concentration in the United States | Over 500K active duty, reserve, retired & dependents across 18 installations | More than $15B of annual economic impact

Affluent surrounding area | $127,418 average household income within a 1-mile radius

Approx. 12 minutes from both Sentara Leigh & Princess Anne Hospitals | 424 beds combined

Less than 20 minutes from Old Dominion University, Regent University, Virginia Wesleyan & Tidewater Community College | Approx. 39,000 students combined

Less than 1 mile from Kempsville High School | 1,538 students

13 minutes from Norfolk International Airport | 3.9M passengers annually

Nearby destination retailers | Kroger, Harris Teeter, Food Lion, ALDI, Lidl, TJ Maxx, Marshalls, CVS, AutoZone, Outback, Chick-fil-A, Panera, Starbucks, Burger King, Wendy’s, Dunkin, Arby’s & others

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