Loan Solutions
We offer a variety of loan solutions for your personal or business needs. The information below gives an overview of the general guidelines Gainsburry Capital Bank follows when considering specific types of loans.
Consumer Loans
Personal Financing Options
We Finance
- Auto, boat, recreational vehicles, airplane
- Personal loans
- Home improvement loans
Term, rate, and down payment requirements are determined by the age and condition of the collateral securing the loan. Contact your local branch for more details.
Home Mortgages
Home Mortgage
- 80% Financing Available
- Maximum 20 Year Amortization
- Fixed Rates available
- Purchase Money or Refinance options
For rate information please contact your local branch.
Home Improvement
- 80% Financing Available (Combine 1st & 2nd Liens)
- 15 Year Term (Maximum)
For rate information please contact your local branch.
Interim Construction Loans
Residential Interim Construction
- 80% financing available (of total project cost or appraised value, whichever is less)
- 12 month maximum interim term
For rate information please contact your local branch.
Commercial Interim/Permanent
- 80% financing available (of total project cost or appraised value, whichever is less)
- 24 month maximum interim term
- 20 year amortization available on the permanent loan
For rate information please contact your local branch.
Commercial Loans
Commercial Financing
We Finance
- Working Capital
- Fixed Asset Acquisition and/or Expansion
- Machinery and Equipment
- Real Estate (Land and/or Building)
- Letters of Credit
Gainsburry Capital Bank offers many different options in commercial lending determined by the specific needs of the customer.
Commercial Real Estate
- 80% Financing Available
- 20 year Maximum Term
- Purchase Money or Refinance options available
For rate information please contact your local branch. Terms and conditions vary — please contact us for more information.
Lines of Credit
Line of Credit Options
Types Available
- Contract Lines of Credit
- Working Capital Lines of Credit
- Floorplan (Vehicle & Equipment)
A line of credit gives your business the flexibility to borrow up to your approved limit as needed, repay, and borrow again — ideal for managing cash flow and seasonal expenses.
For rate information please contact your local branch.
SBA Guaranteed Loans
Gainsburry Capital Bank is a SBA Certified & Preferred Lender.
General Small Business Loans (7a)
The 7(a) Loan Program, SBA's most common loan program, includes financial help for businesses with special requirements. This program offers flexible loan amounts and terms for a wide variety of business purposes.
Real Estate & Equipment Loans (CDC/504)
The CDC/504 Loan Program provides financing for major fixed assets such as equipment or real estate. The SBA 504 program has distinct advantages for both the borrower and the bank in equity requirements, term, and partial fixed rate financing.
For additional information about SBA loan programs, visit sba.gov → Loans & Grants → SBA Loan Programs.
Loan Applications & Disclosures
Loan Applications
Disclosures
- Community Reinvestment Act Notice
- Federal Fair Lending Laws
- Home Mortgage Disclosure Act Notice
- Notice to Borrowers
- Federal Reserve Board Regulations
- eSign Disclosure
Ready to Apply for a Loan?
Contact your local branch today. Our lending team is ready to help you find the right solution.