Building on your advantages.

The goal of many small businesses is to become a big business. Helping our business customers expand with commercial real estate loans has become a major part of our role as a regional financial institution. We have built a reputation as a leader in commercial real estate financing.

Your business can benefit from our lending experience with a versatile Advantage Real Estate Loan to fund planned expansion projects.

• A fast credit review
• Local decision-making
• Convenient access to funds
• Reliable financial strength

We typically provide credit facilities between $25,000 and $250,000 with an Advantage Real Estate Loan, but please visit an Academy Bank near you to discuss your specific goals.

The Small Business Advantage Loans
Loan	Loan Size	Common Uses	Minimum Payment	Term	Rate
Advantage Express Term Loan	$5,000 to $35,000	New/used equipment purchases, including vehicles or other long-term financing needs	Principal & Interest Monthly	Unsecured up to 36 months; secured up to 84 months	Fixed: Prime plus 1% to Prime plus 4%
Advantage Express Line of Credit	$5,000 to $35,000	Short-term cash needs Working Capital Accounts Receivable Purchase of Inventory	Interest Monthly	3 years annual review	Variable: Prime plus 1% to prime plus 4%
Advantage Term Loan	$5,000 to $250,000	New/used equipment purchases, including vehicles or other long-term financing needs	Principal & Interest Monthly	Up to 84 months	Fixed: Prime plus 1% to Prime plus 4%
Advantage Line of Credit	$5,000 to $250,000	Short-term cash needs Working Capital Accounts Receivable Purchase of Inventory	Interest Monthly	12 months	Variable: Prime plus 1% to prime plus 4%
Advantage Real Estate Loan	$25,000 to $250,000	Purchases, refinances and improvements of real estate	Principal & Interest Monthly	Up to 240 months	Variable: T-Bill plus 3.25%
Business Advantage VISA Card	$1,000 to $25,000	Managing company's business expenses	Greater of 2.5% or $25	N/A	Variable: Prime plus 4.9% to 10.9%
Origination fee or annual fee may apply. * - Your company's total indebtedness to Academy Bank must not exceed $35,000 to be eligible for this loan.