Lending Services |
Loans for every need...
Local businesses are the foundation of our bank and
of our communities. Cache Bank & Trust takes pride in helping
businessmen and women grow and prosper by meeting your needs for
working capital loans, loans for plant and equipment, real estate,
letters of credit and loans provided through or guaranteed by the
Small Business Administration or another government agency. We work
to tailor the product for your specific need and will use any and
all of the structures and avenues available.
Cache Bank & Trust will provide lines of credit to
support your short-term need to carry accounts receivable and
inventory. Whether your company’s sales or cash needs are for
seasonal business with predictable fluctuations or you have quality
accounts that are growing as you grow, we can build a credit
facility that helps you meet the demand.
Term Equipment Financing
If your business is capital intensive with regular
requirements for new or used equipment, we can provide competitive
financing to allow you to use that equipment productively and
profitably. You will also find that we can finance all sorts of
plant and equipment on attractive terms to help you make the most of
Cache Bank & Trust provides loans for the
acquisition, development and construction of residential and
commercial properties. Talk with us about your projects and ideas.
Business Ready Reserve
Guard against accidental overdrafts or simply use
this unsecured line of credit for short-term operating expenses. Low
fees and a variable interest rate indexed to Prime allow you
excellent flexibility in managing your business finances.
Personal Lending and Private
Helping the people in our communities achieve
personal and financial goals and take advantage of opportunities are
daily priorities in all of our banks. Whether you need a new home, a
new car or truck, a vacation, college tuition or just some repairs
around the house, we can help.
Home Equity Line of Credit
At Cache Bank & Trust, you can turn your home equity
into cash for any purpose you like. Finish the basement, make
repairs, consolidate your bills or take that vacation of a lifetime.
We offer competitive rates and fees so you can get the most out of
your most valuable investment.
Secured Personal Loans
We provide loans for almost any personal purchase
from cars and trucks to recreational vehicles and boats. You can
secure the loan with your purchase or with certificates of deposit
or other depository accounts, with cash value of life insurance, or
other acceptable personal assets. We will tailor a loan to meet your
Home Mortgage Loans
Cache Bank & Trust is ready to provide a variety of
loans and programs to help you finance the house of your dreams. We
provide conventional and FHA mortgage loans, non-conforming or jumbo
loans, loans for your second home and even for investment property
for qualified borrowers. See us first when you are thinking of a new
Purchasing a home is the most important investment
most of us make in our lifetimes. At Cache Bank & Trust, we want to
help you make that investment in the easiest and most economical way
possible. We offer a variety of real estate and home mortgage
programs including FHA, conventional, jumbo and VA. We also have a
few special programs for those of us with less-than-perfect credit.
Whether you want to purchase, refinance or make
improvements to your home, see us first for all your real estate
needs. Here are just a few of our many products available:
Interest Only Loans
An “interest only” loan is a mortgage that requires
you to pay only the interest portion of the loan for a specific
period of time. After that initial period, your loan will then be
re-cast into a fully amortized loan. This is an ideal loan for
investors, and also offers flexibility for those who work on a
commission based salary. With real estate prices on the rise, an
interest only loan will lower your monthly payment and can enable
you to afford the home of your dreams.
No Money Down
Current interest rates and housing prices make this
a great time to purchase a home. There are many ways to get around
not having a down payment to purchase your new property. Let us show
At Cache Bank & Trust, we work hard to provide
sophisticated banking services in a helpful and consultative
environment. We want you to be comfortable and confident that your
banking needs are well taken care of and, at the same time, feel a
sense of pride in your bank and in the professionals we have
assembled to assist you. For those clients meeting certain net worth
and income requirements, the level of consultation and financial
tailoring for your needs increases exponentially. In our Private
Banking Group, you will be treated to the most attentive banking
service available. If you have a need that is not being met by your
present bank, you can be assured that our Private Bankers will
accept the challenge and deliver.
For all your lending needs, contact any of
our branches and meet our bankers.
We will help build your financial future.
Return to the top.