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Loans & Lines of Credit

As the community bank with big bank resources, we’re a natural fit for small business owners. We’re ready to help you grow your business with competitive small business loans and lines that can be customized for your needs. Most important, we’re local, so our decision-making happens right here. That means you’re up and running quickly.

Our small business loans and lines of credit solutions include a full menu of options, for commercial real estate financing, equipment financing, revolving lines of credit, SBA loans, business debit and credit cards, and a DCB Letter of Credit – all designed to make doing business easier.

Learn more about our lines of credit and term loans for working capital, equipment purchases and other financial needs:

Real Estate

As you grow, DCB offers both construction and permanent financing for commercial real estate. DCB works closely with local, county and city governments, as well as the State of Ohio, in structuring the best financial solutions for you. DCB can provide you with financing to improve, expand, refinance or purchase your commercial property. DCB offers a customized approach, with several options, at both variable and fixed rates, for owner-occupied real estate.

Equipment Finance

DCB Equipment Finance provides financing solutions for clients to fund commercial and industrial equipment needs using traditional term loans. Repayment terms to match your cash flow will provide the flexibility you need to operate your business efficiently.  Equipment types can include, but are not limited to, technology/computer, manufacturing, construction, medical and general office equipment.

Revolving Small Business Line of Credit

As a business owner, you may require access to capital in order to supplement your business cash flow. DCB can offer a variety of financing options to fit your specific business objectives. Use your DCB revolving line of credit to help meet all your working capital needs, including financing inventory purchases and funding account receivables.

Letter of Credit

A DCB Letter of Credit tells your vendors and service providers that doing business with you is a smart move. This binding document attests to your credit worthiness and gives the beneficiary an assurance your payment will be received.

SBA Loans

Small Business Administration (SBA) loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in most industries. As an SBA Express lender, DCB can provide an accelerated turnaround time for SBA review – a response to an application will be given within 36 hours.

Small Business Credit and Debit Cards

VISA Business Credit Cards are available with consolidated billing statements to make your record keeping even easier. Click here for a copy of our credit card application and disclosure. Applications are also available at all branch locations.