When you need capital to expand, improve operations, or manage cash flow, you want clear options and fast answers. Santander Bank offers tailored loan and credit solutions so your business can match funding to its goals. You can choose fixed or floating rates, set predictable monthly payments, and pick terms that fit growth plans.

Whether you aim to buy equipment, refinance debt, or finance a property purchase, the right structure helps you plan with confidence. Revolving credit keeps seasonal needs covered, while term loans and real estate financing support long-term projects.

Benefit from competitive rates, quick credit decisions for vehicle and equipment financing, and streamlined closings. These offers help you manage working capital, secure funding for acquisitions, and simplify capital planning without juggling multiple lenders.

Key Takeaways

  • Find tailored loan and line options to meet daily operations and long-term expansion.
  • Choose fixed or floating rates to balance stability and opportunity.
  • Access financing for equipment, vehicles, and real estate with clear terms.
  • Expect fast credit decisions and streamlined application and closing steps.
  • Align funding choices to your business needs and growth strategy.

Why Choose Santander Bank for Your Commercial Lending Needs

Access to tailored credit and loan structures helps your company balance day-to-day cash flow with long-term capital projects. You get practical financing options designed for working capital, receivables, inventory, and seasonal swings.

Invest in your business future with tailored financing solutions. Choose fixed-rate term loans for predictable payments or floating-rate options for flexibility. Repayment schedules align to asset life so budgets stay steady and growth plans remain on track.

Built for U.S. businesses managing cash flow, capital investments, and growth.

  • You receive solutions shaped by your company stage and sector — from lines of credit for inventory to term loans for equipment and acquisitions.
  • Work with a team that combines global advantage with local execution for faster, smarter lending decisions.
  • Plan confidently with CRE terms like 5- or 10-year fixed rates and amortizations up to 25 years, plus quick vehicle program approvals and DocuSign convenience.

commercial-loans-santander: Flexible Financing Options to Match Your Goals

Your business can tap a mix of revolving credit, term loans, and vehicle financing to meet diverse cash needs.

Lines of credit offer a revolving structure for working capital, receivables, and inventory. Annual renewals apply for lines up to $500,000, and qualified applicants may get unsecured lines up to $100,000.

Term loans for growth and refinancing

Term loans typically run 3 to 5 years with fixed-rate options. Use them for equipment, plant improvements, acquisitions, or to refinance non-Santander debt.

Commercial real estate choices

Finance owner-occupied property with 5- or 10-year fixed rates and amortizations up to 25 years. For loans up to $1,000,000 there are no balloon payments, and you can refinance or cash out to 80% LTV.

Equipment and vehicle programs

Equipment financing starts at $25,000 with 3–10 year terms; companies with 2+ years may qualify for 100% financing. Vehicle loans range from $50,000 to $10,000,000 with 24–120 month terms, fast credit decisions, DocuSign, and municipal leasing for government and essential-use assets.

These options help you align funding, payments, and rates to your company needs.

Rates, Terms, and Structures That Work for Your Company

Set loan terms and repayment schedules to fit the life of your assets and your budget. You can choose fixed or floating rate options to control interest exposure while keeping monthly payments predictable.

Fixed or floating rate options, flexible repayment, and extended terms

Fixed-rate loans give you steady payments. Floating-rate structures add flexibility when markets move. Repayment schedules align to asset life so equipment and vehicles are paid over useful years.

Loan-to-value, amounts, and special features that fit your financing needs

Property financing can pair 5- or 10-year fixed periods with amortizations up to 25 years. Loans up to $1,000,000 avoid balloon payments and can refinance or cash out to 80% LTV.

  • Lines and liquidity: Revolving lines renew annually up to $500,000 and may be unsecured to $100,000.
  • Equipment and vehicle terms: Equipment runs 3–10 years; vehicles run 24–120 months with fast credit decisions and large funding caps.
  • Transparent information: Compare rates and terms across loans and lines to choose the best cost of capital for your business.

How to Apply and Get in Touch for Fast Credit Decisions

Start your application in minutes by choosing the product that fits your growth plan. Identify a line for working capital, a term loan for equipment or property, or a vehicle program for fleet needs. Gather recent financials to speed underwriting and improve your chances of quick approval.

apply loan finance

Simple application, DocuSign convenience, and regional contacts

Fast credit decisions: commercial vehicle credit reviews typically return within one business day. Closings use DocuSign so you can sign and access cash quickly.

  • Customer portal: 24/7 document access and payments keep your audit trail visible while you manage cash flow.
  • Compare rates and funding options to match the repayment schedule and collateral you prefer.
  • Eligibility varies by years in operation; some equipment financing can reach 100% for established businesses.

To get touch, call the Vehicle Funding Group at 800-238-4009. For regional help, reach Ellen Marshall in New York & New Jersey at 212-692-2519 or emarshall@santander.us. For Middle Market and government services, contact Patricia Packard at 617-217-0014 or ppackard@santander.us.

Note: Financing is available to qualified applicants and subject to underwriting rules and policies that may change. Request information early to compare options and lock a rate that supports your business goals.

Conclusion

Close the gap between opportunity and cash by choosing funding that fits how you operate.

Bring your business plan to life with a loan mix—from revolving lines for working flow to longer-term CRE loans with 5- or 10-year fixed rates and amortizations up to 25 years. Finance equipment, fleet, or government projects with terms that match useful life and repayment capacity.

Apply quickly using streamlined applications and DocuSign to move from approval to deployed capital. For rates, offers, or to get touch, contact the Vehicle Funding Group at 800-238-4009, Ellen Marshall at 212-692-2519 or emarshall@santander.us, or Patricia Packard at 617-217-0014.

FAQ

What types of long-term commercial loans does Santander offer?

Santander provides term loans for equipment purchases, facility improvements, acquisitions, and refinancing. You can also access commercial real estate loans for buying, renovating, or refinancing property, plus equipment and commercial vehicle financing that covers heavy-duty trucks and municipal leasing.

How can a line of credit help my business with cash flow?

A line of credit gives you revolving access to funds to smooth seasonal revenue swings, cover payroll, or bridge receivables. You draw only what you need, pay interest on the outstanding balance, and can reuse the credit when payments clear, which preserves working capital and flexibility.

Are rates fixed or variable, and can I choose repayment terms?

You can choose fixed or floating rate structures depending on your risk tolerance and market view. Repayment options include standard amortizing schedules and extended terms for larger projects. Loan-to-value and loan amounts determine specific term options and any special features.

What information is required to apply for a commercial loan?

Typical requirements include business financial statements, tax returns, a detailed use of proceeds, personal guarantor information if applicable, and property or equipment documentation for asset-based loans. Regional contact teams can confirm documents specific to your situation.

How fast can I get a credit decision?

Santander aims for timely credit decisions by streamlining applications and offering DocuSign for fast document execution. Speed depends on loan complexity and the completeness of your submitted information, but simple requests often move quickly through regional review.

Can I refinance existing debt or finance an acquisition?

Yes. Term loans and commercial real estate financing can be used to refinance higher-cost debt or fund acquisitions. Discuss your goals with a lending officer to structure terms that optimize cash flow and reduce overall financing costs.

Do you offer financing for specialized equipment or municipal needs?

Financing covers a broad range of equipment, including heavy machinery, commercial vehicles, and municipal leasing arrangements. Loan structures accommodate useful life schedules and industry-specific requirements to match your operational needs.

What distinguishes Santander’s commercial lending from other banks?

You benefit from a combination of global resources and local decision-making. That means tailored lending solutions, predictable payment structures, and regional teams that understand local markets and your industry’s cash flow cycles.

How do loan-to-value and collateral affect the loan I can get?

Loan-to-value ratios and the type of collateral impact available amounts, pricing, and term length. Higher-quality collateral and lower LTVs typically allow larger loans and better rates. Your lending officer will review appraisals and asset values to recommend suitable terms.

Who should I contact to discuss options and start an application?

Reach out to the bank’s commercial lending or regional business banking team to discuss needs, rates, and specific programs. They’ll guide you through the application, document submission, and use of electronic signing to speed up processing.