Commercial Loans

Business Loans

Gateway Bank understands the needs of the business owner. We offer different types of commercial loans which can vary depending on your businesses needs. Please come visit for information regarding interest rates and terms.

When you meet with one of our commercial loan representatives, you’ll discover all the options available to you, some of which you may not have considered. We’ll guide you through the process and help you put your documentation together to give you the best chance for approval. We encourage you to ask as many questions as you have and to use us as part of your approval team. Give us a call or stop by. We’re eager to help you achieve your business goals.

Types of Loans

Your Gateway Bank representative can help steer you in the right direction when it comes to the many different types of commercial loans and which one is the best choice for you. Commercial financing often comes in the form of a line of credit, real estate purchases, or term loans. A line of credit gives you the flexibility to spend the money only when you need it and can be repaid and reused.

Benefits you can expect


Low rates

Compared to other financing options

Long terms

Pay off at an affordable pace

Increases cash flow

Have the money when you need it


Fixed and variable rate options

How to apply

Applying for a commercial loan is not as daunting as you may expect. Underwriters will want to verify your ability to repay and you’ll likely need collateral, usually in the form of real estate. When you speak to a Gateway Bank Representative, we’ll explain debt service, loan-to-value ratio, reserve funds, assets and other factors so you have the best opportunity to get approved. At Gateway Bank, we’re on your side.

Frequently asked questions

Not necessarily. If you own a building with multiple units, you may qualify for a commercial loan as long as the rents are enough to cover the monthly payments.

That’s a difficult question to answer in just a few short words. We encourage you to speak with a Gateway Bank representative who can help guide you through the process quickly and easily.

We’ll take this into consideration when we approve you for additional financing. Depending on other factors, it may not prevent you from getting an approval.

If we are securing your loan against real estate, you will need an appraisal, but don’t get one yet. Speak to us first and will guide you through the process.

Join us today

At Gateway Bank, you’re treated like family. Whether you are looking for reliable banking options for yourself or your business, financing for your home, or IRA and CD accounts, stop by or give us a call. We’ll be delighted to serve you.

(510) 268-8108 Contact Us