Business financing structured to help you grow.

From the startup to the well-established business we understand the needs of our commercial customers and appreciate the extensive role they play in driving Frederick County's overall economy. For us, it's always been about the community. Which is why we've developed financing options to help accelerate your cash-flow and promote growth.

Overdraft Protection

It happens to us all, be prepared. Should you exceed your account balance, we'll cover your check, up to your pre-approved limit. You'll receive notifications when a transfer occurs allowing you to pay off any balances and interest to re-establish a positive account balance. Low $10 annual fee.

Lines of Credit

Financing accounts receivable, inventory, equipment, etc... Our Lines of Credit are designed to support the working capital needs of your business.

Term Loans

In need of an upgrade? Make substantial improvements to your business with the capital you need. We offer a variety of loans with flexible terms for business needs such as building renovations and equipment purchases.

Real Estate Loans

Have you outgrown your current business location? A commercial mortgage may be just what you need. We offer a variety of options with flexible terms built to meet your immediate and long-term needs.

Small Business Administration

We offer both SBA (7a) and SBA 504 loans that allow qualifying businesses to finance owner-occupied buildings and other fixed assets with as little as 10% down, and obtain long-term financing that is below market fixed rate. Our lending team is experienced and can work with you to find the program that best fits your business' needs.