Business Lending Products and Services

Small Business Loans

Operating Lines of Credit

As your business grows, your needs for additional funds may grow, too. Albina offers seasonal and working capital lines of credit ranging from $5,000 to $150,000 for small businesses with short-term financing needs.This revolving business line of credit can be used, paid back and then used again!

Term Loans

Expand your business, consolidate debt, or purchase a new commercial vehicle or equipment with a flexible Albina term loan ranging from $5,000 to $150,000, available with competitive interest rates. We also offer Acquisition Loans for borrowers acquiring existing businesses and/or business assets.

Government Guaranteed Lending

Since small businesses sometimes require additional support for loan requests, we partner with local government agencies to provide the maximum options for your small business. The Small Business Administration (SBA) and other government guaranteed loans offer the financing you need.

We offer:

SBA 7(a) Loans: SBA's primary program for term loans
SBA 504 Loans: Long-term, fixed asset and owner occupied commercial real estate Capital Access Program (CAP) Loans: Offered through Business Oregon; CAP Loans range from $1,000 to $150,000 and include the Oregon Credit Enhancement Development Fund and the Oregon Business Development Fund.


Business VISA™ Credit Cards

An essential business tool that's there when you need it. Enjoy the convenience of a credit card for business travel and entertainment expenses, with competitive rates, a low annual fee, convenient ATM access, 24-hour service, worldwide acceptance anywhere you see the VISA symbol, and more! Use your Albina Business VISA™credit card for purchases of $100 to $50,000, between multiple users, to purchase supplies or take care of travel expenses.

Commercial Business Loans

Term Loans

When it is time to buy equipment or other property to operate your company, including commercial real estate that your company will occupy, Albina Community Bank offers a wide selection of loans that you can pay back over time. Albina Community Bank can improve your access to credit and reduce your loan payments through a term loan.

Business Lines of Credit

If you need cash to pay your operating expenses before you are able to collect your receivables, or operate a business with seasonal cash needs, Albina Community Bank stands ready to help with a variety of operating lines of credit, including receivable-inventory secured lines.

Real Estate Loans

Take advantage of our wide range of commercial real estate loans - whether you are financing (or refinancing), expanding, relocating or initially buying business property, we'll happily work with you to find the perfect real estate loan.

Business Credit Cards

An essential business tool that's there when you need it. Enjoy the convenience of a credit card for business travel and entertainment expenses, with competitive rates, a low annual fee, convenient ATM access, 24-hour service, worldwide acceptance anywhere you see the VISA symbol, and more!  Use your Albina Community Bank Business VISA™ credit card for purchases of $100 to $50,000, between multiple users, to purchase supplies or take care of travel expenses. 

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