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Commerical Loan Products

Commercial Term Loans

  • Financing for fixed asset purchase up to 100% of cost
  • Adjustable and fixed rate loans available
  • Amortization schedules up to 10 years

Commercial Mortgages

  • Loans for acquisition or expansion of owner-occupied or investment properties
  • Adjustable, variable amortization schedules up to 25 years
  • Adjustable, fixed and variable rate loans available
  • Bridge Loans available

Residential Development Financing

  • Land acquisition and improvement loans
  • Revolving or phased construction loans

 TWB Leasing

  • 100% financing preserves working capital
  • Protection against equipment obsolescence
  • Off-balance sheet financing
  • Tax advantages
  • Pre-approved lease lineCommercial Leasing

Commercial Lines of Credit

  • Competitive pricing
  • Variable interest rate tied to the Prime Rate or Libor
  • Fast, in-house approvals
  • Easy access to funds via facsimile and email
  • Asset-based lines of credit with advances made on a pre-determined formula

Credit Cards

  • MasterCard ensures worldwide acceptance
  • Rewards Programs available
  • Competitive APR
  • Revolving balance option
  • Automatic and online payment optionsCommercial Lines of Credit

Commercial Construction Lending

  • Financing to build a new business facility or fund major improvements
  • Interim or permanent mortgages
  • Interest only payments during construction on amount borrowed

 

MONEY MARKET ACCOUNT .65% ANNUAL PERCENTAGE YIELD Click to Learn More

Partners in Your Success
From left to right: John Tolomer, Anne Penachio, Frank Matera. The Westchester Bank partnered with Penachio Matera, LLP

“Our law practice is all about helping clients and The Westchester Bank practices that same principle. That’s why we make good partners and really enjoy working together.”

John Tolomer, President & CEO, The Westchester Bank
Anne Penachio, Partner, Penachio Matera, LLP
Frank Matera, Partner, Penachio Matera, LLP