Lending Overview

Loan services support personal borrowing needs, business financing and capital access, deposit-account based lending relationships, digital banking loan access and monitoring, credit review and underwriting, and application guidance.

Loan amounts may be available up to $1,000,000 for qualifying borrowers, subject to credit evaluation, underwriting review, and bank approval.

• Personal borrowing needs
• Business financing and capital access
• Digital banking loan access
• Credit review and underwriting
• Application guidance

What Lending Covers

This page explains personal and business borrowing options, soft vs hard credit inquiries, digital loan access, documentation requirements, and a clear path from inquiry to account management.

Personal Borrowing

Personal loans are evaluated based on credit profile, income, and overall banking relationship. Customers may begin with an inquiry and continue through review and approval steps.

• Personal expenses
• Consolidation needs
• Major purchases
• Financial flexibility
• Account-based borrowing relationships

Business Borrowing

Business loans are reviewed using business financials, ownership structure, and operational history where applicable.

• Working capital
• Business expansion
• Equipment purchases
• Operational financing
• Cash flow support
• Business account-based credit relationships

Credit Review Process

This structured process helps ensure responsible lending and appropriate credit decisions.

Soft Credit Review

Initial discussions or prequalification may use a soft inquiry to evaluate eligibility without impacting credit.

Full Credit Review

Final loan approval may require hard credit inquiry, identity verification, income or business documentation, banking relationship review, and underwriting analysis.

Digital Loan Access

Approved borrowers may manage loans through Digital Banking, including balance review, payment history, loan payments, linked account transfers, statement access, and account notifications.