# Borrow

### The funding you need. The experts you want.

To keep Commercial businesses and large nonprofit organizations like yours growing, it’s essential to have right-sized funding in place at exactly the right time. In order to make swift decisions, you need quick answers from business banking experts capable of discussing the true professional impact of your decisions. That’s where our expertise comes in and makes a world of difference. Every single business customer at Penn Community Bank is connected to a relationship manager who serves as a point of contact to answer questions and provide financial advice tailored to your individual needs. We partner with you to work together toward your next “Here We Grow” moment—whether your next milestone involves purchasing equipment, renovating your space, expanding your presence, or investing in your next opportunity.

Get the funds you need to grow your business today. Stop by any branch or call 215.788.1234.

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### Business Lines of Credit

Securing a business line of credit gives you quick access to cash with flexible repayment terms. You’re able to withdraw funds as you need them against a predetermined credit limit—rather than receiving one lump sum all at once. With an established business line of credit, you pay interest only on the funds you withdraw. Then, as you repay the funds, they are available for you to borrow again.

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### Term Loans

Loans with fixed rates and terms can help you acquire machinery, equipment, and fixed assets, or refinance existing term debt. Loans are available in varying terms.

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### Small Business Loans and Lines of Credit1

As your business grows, its needs change. Small Business Loans and Lines of Credit offer the capital you need to keep operations running smoothly. One unique feature of our Small Business Loans and Lines of Credit is that we do not require you to own real estate to qualify for a business loan or line of credit. Your established business benefits by providing less documentation, obtaining faster approval, and maintaining convenient access to funds with our business checking accounts.

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### Commercial Real Estate Loans

Work with us to establish financing when you purchase or refinance owner-occupied or non-owner-occupied commercial real estate. Various loan terms are available with amortizations up to 25 years.

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### Letters of Credit

We offer specific commitments guaranteed by the bank for a third-party beneficiary. Such letters of credit are available only to qualified borrowers.

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### Construction Loans

Secure financing for your construction projects for various types of commercial projects, including investment properties or owner-occupied commercial buildings, and construction of new homes for residential home builders.

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### Residential Development Loans

If you’re a residential builder or developer, you can work with us to finance your development projects—from single lots to larger sub-divisions.

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All loans and lines are subject to credit review and approval. Various loan and line term and Annual Percentage Rate (APR) options are available and may vary for approved loans and lines based on creditworthiness, loan-to-value, and other underwriting criteria. Other terms, conditions, fees and restrictions may apply. Ask for full details. Equal Opportunity Lender.

1 Penn Community Bank business checking account required for Small Business Loans and Lines of Credit products.

## News & Highlights

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2025-12-16 12:09:53 BY Penn Community Bank

#### Penn Community Bank Named to Newsweek’s Best Regional Banks for Third Consecutive Year

PERKASIE, PA (December 2025) – Penn Community Bank, the largest independent mutual bank in eastern Pennsylvania, has once again been recognized as […]

blog

2025-12-11 09:20:20 BY Penn Community Bank

#### Fueling Your Business Story with Commercial Banking Services | Penn Community Bank

As a business owner, you know that growth isn’t just a goal—it’s a journey. Whether you’re launching a new idea, […]

blog

2025-11-12 09:00:58 BY Penn Community Bank

#### Remembering Jan Bacchi

It is with profound sadness that we announce the passing of our colleague and friend, Jan Bacchi. Jan was our […]