The most difficult thing about lines of credit is deciding if it’s the right choice for your business. But if your business needs are convenience and control, the decision is easy.

This service lets you access all or part of a loan of a predetermined limit. Once the initial paperwork is complete, lines of credit are conveniently activated by a simple call, putting your business in control of the payment schedule. Plus, if you’ve used part of your line, repayment will be scheduled in monthly payments.

For one-time needs, our bank offers single purpose lines of credit. For seasonal business activity, we offer seasonal lines of credit. And for balancing the time between collecting accounts receivable and paying suppliers, we offer revolving lines of credit.

We also offer business reserve lines of credit. This is like a line of credit, except for its greater convenience — it automatically advances in preset increments as checks are written on an overdrawn account. It’s also more cost-effective. As deposits come in, they are automatically applied to an outstanding business reserve balance, keeping the balance on the loan and your interest charges as low as possible.