Term Loans*
A term loan can be used to secure the capital needed to meet a broad range of business goals, making it one of your most versatile borrowing options. You can use the money to purchase vehicles or equipment, finance expansion or acquisitions, or refinance debt. Fixed or variable rates are available, and repayment terms can be structured to meet your cash-flow needs.  top
Commercial Real Estate Loan*
Need a building for your business? West Shore Bank has your loan. We can finance the construction of commercial, industrial, retail or income-producing property. If you’re interested in buying or refinancing existing real estate, we can also provide a long-term commercial mortgage with attractive terms. Choose either a fixed or variable rate. We’ll work with you to be sure the repayment terms accommodate your cash flow. top
Commercial Line of Credit*
With a line of credit at your disposal, you’ll always be sure of having immediate access to working capital when you need it. Commercial credit lines are commonly used to make small purchases, meet seasonal operating expenses, finance materials, smooth out cash flow while waiting for receivables to be paid, or get cash in an emergency. You’ll be billed monthly for the interest on any funds you withdraw. The principal can be paid back as your cash flow allows. top
Commercial Leasing*
Do current business conditions make you reluctant to part with the cash required for a down payment on a business loan? Then consider leasing instead. You’ll get the equipment you need without having to tap your cash reserves. What’s more, leasing provides tax benefits by creating a deductible expense out of an acquisition that would otherwise go down in the books as a depreciating asset. What can you lease? Computers, software, telecommunications systems, office furniture, vehicles, machinery ... just about anything. top
Small Business Administration Loans*
When traditional financing isn’t an option, West Shore Bank may still be able to provide the money you need through alternative lending programs sponsored by the Small Business Administration. These loans offer favorable terms for eligible borrowers— typically companies that are undercapitalized, just starting up, or only able to provide a small down payment. top
Municipal Loans*
Tax-exempt organizations like school districts and local government units can qualify for municipal loans through West Shore Bank that offer extremely attractive rates with low or no fees. top
Letters of Credit
As a West Shore Bank commercial customer, you may be eligible for a letter of credit that assures vendors your credit is good up to a certain limit. With a letter of credit in hand, you’ll be able to make certain purchases more conveniently — without first having to get a loan. *All loans subject to credit review & approval. top | 
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