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Business Banking

Commercial Lending Services

When business opportunities arise ... when you need funding for expansions, equipment, or inventory ... if you need coverage for seasonal cash-flow fluctuations ... count on MCT's flexible credit solutions to meet your short or long-term borrowing needs. We're locally owned and operated, so our lending decisions are made right here in your community. The result? An easier application process - and prompt turnaround on your requests!



Commercial Loans » Commercial Real Estate Loan » Commercial Term Loan » Commercial Line of Credit » Commercial Letters of Credit


Commercial Real Estate Loan


An affordable loan, secured by real estate, for business owners who wish to finance real estate purchases, expansions, and/or renovations.

  • Competitive rates and terms
  • Easy application, prompt turnaround


Commercial Term Loan


A term loan to business owners who want to grow their businesses by financing machinery, equipment, vehicles, improvements, etc.

  • Competitive rates and terms
  • Easy application, prompt turnaround




Commercial Line of Credit


The most flexible way to finance periodic cash flow fluctuations without having to reapply for credit. Borrow only what you need (up to the available credit limit), and pay interest only on the funds in use.

  • Competitive variable interest rates
  • Affordable monthly payments, due on demand, based on amount of credit used



Commercial Letters of Credit


Standby letters of credit are created as a sign of good faith in business transactions, and are proof of a buyer's credit quality and repayment abilities. The letter of credit is an attractive alternative to a bid bond.