Lending Services | Loan Calculator
 

Loans for every need...

Business Lending

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.

Working Capital

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 your opportunities.

Construction Lending

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 Banking

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 personal circumstances.

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 home.

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 you how!

Private Banking

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.

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