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As a community bank, Metro City Bank cares about you and can assist you with all types of loans. You’ll receive personalized service and your loan application will be processed quickly and efficiently by people who know you, not by someone in another state. We have loan officers who will gladly help tailor a loan and make it fit your needs. Our loan officers will meet with you one-on-one to discuss your individual or business needs.

Automobile Loans
We'll steer you in the right direction with our competitive new and used automobile loan programs. We offer many repayment options and low interest rates for qualified applicants. Let Metro City Bank finances your next new car or truck!

Personal loans
Planning a major purchase? A personal loan could be the right choice for you! Personal loans provide quick, convenient cash for immediate needs, and no collateral is required. Use your personal loan for just about anything, from financing a major purchase to consolidating higher-interest bills to paying for a wedding.

• Fixed interest rate and fixed monthly payments
• A variety of rates and terms are offered depending on the loan amount
• Low loan fees and no prepayment penalty
• Quick approval process

Personal lines of credit
Get the flexibility and security of knowing you have a cash reserve ready to use—emergency or not! And you don't have to own a home or property to qualify.

• Your personal line of credit can be accessed 24 hours a day and can be used for just about anything you need, like financing a major purchase or consolidating higher-interest bills
• Access your line through line of credit checks, or get cash advances at our financial center (there are no cash advance fees)
• The interest rate is tied to the Wall Street Journal Prime Index, and the monthly payment is the greater of 2.5% of the principal balance or $50
• Revolving credit limits starting from $3,000.00
• Receive monthly statements (for every month there is activity on your line)
• Quick approval process
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Commercial Loans
Metro City Bank provides commercial loans for businesses requiring fixed asset purchases, commercial mortgages and working capital lines of credit. We also offer fixed and floating rates, as well as flexible terms.

When you work with us to meet your credit needs, you’ll quickly come to appreciate how we operate — with experienced lending officers taking time to listen and learn about the circumstances of your business.

And it’s this knack for listening that will help our lending officers structure the credit facility most appropriate for you. Of course, in addition to commercial loans, we offer a full array of related services which your business can benefit from, including cash management, commercial checking and savings accounts.

Commercial Real Estate Loans
Through our commercial real estate loan program, we can offer you both fixed and adjustable rate loans. Metro City Bank can also finance purchases and new construction for a wide variety of property types, including:

• Owner occupied buildings
• Apartments
• Office buildings / Retail centers

Small Business Administration Loans
Congress created the Small Business Administration (SBA) over half a century ago to help small companies get started, expand and prosper. Today, the SBA provides assistance to these companies by guaranteeing a portion of loan amounts and allowing longer terms for qualified borrowers.

Small Business Administration (SBA) loans can include construction/permanent commercial financing.

What are the advantages of an SBA loan?
There are many, including terms up to 25 years for land and buildings and up to 10 years for all other business purposes. SBA loans are assumable and carry no pre-payment penalties or call provisions. (For terms of fifteen years or more, pre-payment penalties apply during the first three years.)

What are the credit requirements for an SBA loan?
A loan applicant must show an ability to repay the loan in a timely manner, through past earnings records or future earnings projections. An applicant must demonstrate management ability and commitment necessary for a successful operation. The applicant must also have sufficient equity capital so that, with the SBA loan, the business can operate on a sound financial basis. Lastly, the applicant must provide adequate collateral.

Who is eligible for an SBA Loan?
The SBA defines a small business as one that is independently owned and operated, which is not dominant in its field and which meets certain criteria based on industry classifications. In laymen’s terms, we work with most types of businesses in conjunction with this program. However, loans used to finance real property held solely for income or investment are not eligible.

How do I apply for a Small Business Administration (SBA) loan?
One call to our SBA department will get you started. We will assist you in determining the necessary information needed to submit your application. For our online application and more information, please click here.

USDA Loans

USDA (United States Department of Agriculture) B & I (Business & Industry) loans were set up in an effort to improve rural communities, by assisting in the creation of and saving jobs. Securing financing in small towns is often a very difficult tasks as most national and regional banks will NOT lend to borrowers with commercial real estate located in communities with less than 50,000 people. This program fills that void. For more information please click here.

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