BUSINESS BANKING

1. eBANKING

Fast. Easy. Safe. Online and mobile banking made simple. Earning money may be hard, but managing it should be easy.

Manage Accounts

  • Check your account balances
  • Track recent transactions, debit card purchases, ATM visits and deposits
  • View images of cleared checks

Transfer Funds

  • Transfers–move money between accounts. It’s fast, easy and safe for you to move money using online or mobile banking.
  • Move funds between your Aspire Financial accounts
  • Schedule transfers up to a year in advance

Online Statements (eStatements)

  • Go paperless–more secure and helps save the environment
  • Securely access statements for up to 24 months of history

2. DEPOSIT SERVICES

Aspire Financial offers a comprehensive line of deposit services for the business owner. From checking accounts to credit cards and online banking to remote deposit, we have you covered!

By combining one of our business checking account options with our remote deposit capture system, it’s like having your own personal bank teller available 24 hours a day, seven days a week.

  • Make deposits anytime
  • Save time preparing deposits
  • Consolidate funds from remote locations into one financial institution
  • Cut costly courier fees or trips to the financial institution
  • Reduce risk of check fraud

3. LENDING SERVICES

As a business owner, you’re always looking for new opportunities to expand your business. Aspire Financial has the flexible financing options for everything from acquiring a business to purchasing a new building, equipment or funding seasonal working capital. Whatever stage your business is in, the specialist teams at Aspire Financial can help you choose the correct business loans, leasing options or real estate financing to fit your needs.

Commercial Line of Credit

A commercial line of credit is a cost‐effective approach if your business needs on‐going credit to fund seasonal working capital and accounts receivables or manage inventory. With a commercial line of credit, your business can handle unexpected cash needs and take advantage of vendor discounts by having access to cash when you need it.

Aspire Financial offers:

Revolving line of credit

It allows your business to borrow, repay, and borrow again up to the original amount committed by Aspire Financial, throughout the life of the loan.

Non-revolving line of credit

It allows your business to borrow an amount either in a lump sum or an amount disbursed over a period of time. Each time you make a payment, credit availability reduces by that paid amount.

Benefits

  • Flexible revolving credit lines, with annual renewals,* secured by general business assets
  • Quick, easy access to funds online, by phone, or in a branch.
  • Advances are simple and convenient. We offer automated line sweeps to draw from.
  • Competitive variable rates of interest
  • Pay no interest until you draw funds.

*Multi‐year lines of credit are available at an additional cost, subject to underwriting.

Term Loans

Aspire Financial offers a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership or consolidate debt. Our expert lenders will structure this new financing vehicle in accord with existing debt obligations and your historical and projected cash flows.

Benefits

  • Acquire machinery, equipment or other assets with fixed monthly payments.
  • Increase your working capital to help you grow your business.
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently.

Commercial Real Estate Financing

Successful commercial real estate firms need a reliable banking partner with a solid capital base that can promptly deliver quality solutions through fluctuating economic cycles. At Aspire Financial, we have the capabilities and stability you need to successfully execute on your next big opportunity.

Our commercial real estate team offers the local expertise necessary to address the unique demands of private developers and investors and our banking model allows us to respond quickly and efficiently to your requests. We offer flexible financing programs for office, industrial, retail and apartment buildings.

4. SMALL BUSINESS LOANS

As a small business owner, you aspire to expand your business, acquire new equipment or purchase a larger building. At Aspire Financial, we have the flexible financing options to help you make your dreams a reality.

Small Business Line of Credit

Benefits

A line of credit is ideal for small businesses that need quick and easy access to cash over short periods of time to help purchase inventory or manage seasonal cash flow fluctuations.

  • Access to working capital and cash when you need it
  • Competitive variable rate
  • Can be used for overdraft protection

 

Term Loans

Benefits

We offer a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership, or consolidate debt. Our expert lenders will structure the loan by evaluating your existing debt obligations and assessing your cash flow.

  • Acquire machinery, equipment or other assets with fixed monthly payments
  • Increase your working capital to help you grow your business
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently

 

Small Business Administration Financing

Benefits

Small Business Administration (SBA) loans can be used to start or acquire a business, purchase equipment, and refinance or acquire inventory or working capital. We will partner with you to understand your business, and your short and longterm goals, to determine if a SBA loan is right for you. We provide financing for Standard SBA 7A, SBA Express and SBA 504 Programs.

  • Long-term financing
  • Improved cash flow
  • Lower down payments
  • Competitive interest rate
  • Flexible terms and conditions