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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


The Toast of Emma's Ale House
From Left to Right: Casey Egan, John Tolomer

“I was looking for a partner not just a bank. The team at The Westchester Bank truly cares about Emma’s Ale House and will work to achieve both of our goals.”

Casey Egan, President, Emma’s Ale House 
John Tolomer, President & CEO, The Westchester Bank

Latest News

California Closets Makes Room For Local Bank

Published 01/10/2018

WHITE ​PLAINS, ​N.Y. ​-- ​California ​Closets ​was ​founded ​in ​1978 ​by ​an ​18-year-old ​college ​student who ​turned ​his ​innovative ​way ​of ​maximizing ​dorm-room ​space ​into ​a ​thriving ​business. ​Since then, ​the ​company ​has ​become ​one ​the ​fastest ​growing ​in ​the ​country ​and ​has ​set ​the ​standard for ​closet-organization ​systems.