Business Loans

QNB has been dedicated to helping local businesses succeed since 1877. Because of our deep commitment to the local business community, we offer a wide range of commercial loans that can be tailored to your specific needs. We believe in building a relationship with you and your company, so we know how to help you move towards your long-term goals. We'll listen to your concerns and help you plan for the financial future of your business with customized solutions and a sincere interest in your success.

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Apply for a Business Loan

Demand Loans

Do you have a short-term temporary financing need? With a demand loan, financing is provided for up to one year to satisfy a specific, seasonal need, or possibly a short-term opportunity. Interest-only payments are generally paid monthly and the balance is due in full at a specific maturity.

Lines of Credit

Does your business need money to fund seasonal or cyclical cash flow? Or do you need the flexibility to take advantage of vendor discounts? A QNB line of credit account allows you to borrow money according to the needs of your business cycle. A revolving line of credit can be drawn upon as needed up to a pre-determined maximum amount.

Term Loans

Is your business looking to finance equipment, other fixed assets such as a company vehicle, or secure long-term working capital? A term loan provides financing for a specific amount for a stated period of time, based on the purpose of the loan or the useful life of the asset being purchased. The interest rate charged could either be fixed or variable, and repayment terms can be structured to suit your cash flow needs.

Commercial Mortgages

Are you looking to purchase a new building for your business? Perhaps you are looking to purchase an investment property such as apartments, an office building, a commercial condo, a shopping center or industrial/warehouse space. QNB's products provide both fixed and variable rate financing with amortization periods between 15 and 20 years.

Construction Financing

Are you looking to expand your company's physical plant or construct a new facility? QNB can provide construction financing that saves time and money by automatically converting construction financing to permanent financing without another loan settlement. Monthly payments of interest only are made during the predetermined construction period, and then convert to monthly principal and interest upon completion of the construction.

QNB Visa® Business Credit Cards

Do you need a better way to manage your everyday business expenses and purchases? QNB Visa Business credit cards offer the flexibility to separate business from personal expenses, access to free spending reports, and the purchasing power you need to manage your business. Plus, there are a variety of Rewards programs from which to choose, making it easy to select and apply for the card that meets your needs. QNB also offers procurement cards for larger corporations that combine purchasing and corporate cards into a single streamline payment solution. Learn more

Other Business Loan Services

  • Letters of Credit
  • SBA Participating Lender
  • Nonprofit Organization Loans
  • International Letters of Credit

For additional information on business loans call 215-538-5605. All business loans are subject to credit approval.