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Structured Financing
Routing number: 221571473
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Manage your products and services:
Structured Financing
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Solutions tailored for you
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Commercial and Industrial Loans
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Project Financing
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Financial Advisory Services
Our team of experienced corporate banking professionals will collaborate with you in structuring the best financing solution to meet the needs of your business.
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Based primarily on your business’s financial statement and business plan, we collaborate with you in structuring term financing alternatives for purposes such as acquisitions, capital expenditures, lines of credit for working capital, among others.
We can help structure interim financing during the construction phase of a project by providing construction loans to high quality, reputable real estate developers and home builders for the construction of a variety of commercial and residential projects.
These loans are available for:
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Single-family housing projects
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Multi-family and elderly housing projects
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Owner-occupied commercial real estate
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Retail or industrial businesses commercial real estate
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Warehouse projects
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Hospitality
Construction loans are complex in nature; therefore, we work closely with our clients to establish the optimum loan structure for your specific needs.
To apply, these general requirements need to be met:
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Adequately supported by current appraisals
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All required development permits have been obtained
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Compliance with zoning requirements for planned development
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Disbursements based on project progress and bank inspections
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Strong source for satisfactory loan takeout/repayment based on construction loan type
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No secondary financing
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No loan granted for speculation purposes
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Strong equity position
For evaluation of your construction financing needs, please contact your business executive or e-mail our Construction Unit at:
We can help you maximize access to non-traditional sources of capital such as Mezzanine Financing, Venture Capital, and Private Equity.
Ready to open your account? Review the help guide
Make sure you have the following documents available before starting the process.
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Business tax returns for the last 2 years or financial statements prepared by a CPA3
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Interim financial statements (if the latest statement is more than 6 months old)
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Personal financial statement that is recent, as of the date of origination
- Business background or plan
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Corporate documents, as applicable, depending on the legal entity
- Corporate resolution
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Other documents may be requested, as required
Additional requirements for loans under the SBA Express program
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Projected income and expenses for 3 years (if the business has been established for less than 2 years)
- Personal financial statements or SBA Form 413 Personal Financial Statements
CONTACT US
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Small Business Banking for credit facilities up to $1 million
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Business Banking for credit facilities between $1 million and $10 million
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Corporate Banking for credit facilities over $10 million
Subject to credit approval.