Important Details
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Loan Details

Important Details
     
Types
  • Business secured or unsecured line of credit
  • Business line of credit
  • Visa® business card
  • Equipment Financing Line
  • Business secured or unsecured term loans
  • Equity line of credit
  • Improvement loan
  • Construction loan
  • Real Estate loan
  • Lease line
  • TRAC lease
  • Lease finance
  • Tax lease
  • Term loans
  • Working capital loans
  • Lines of credit
  • 504 loan program
Purpose
  • Increase working capital
  • Fund investments
  • Take trade discounts
  • Improve liquidity
  • Meet short-term cash needs
  • Finance receivables and inventory
  • Finance new and used furniture, fixtures and equipment
  • Finance specific one-time need
  • Business expansion
  • Increase working capital
  • Finance furniture, fixtures or equipment
  • Take trade discounts
  • Finance receivables, investments or inventory
  • Improve liquidity
  • Meet short-term cash needs
  • Increase working capital
  • Expand business
  • Finance property improvements
  • Finance construction of owner-occupied commercial building
  • Acquire or finance real estate
  • Finance new and used furniture, fixtures and equipment
  • Purchase machinery and equipment
  • Purchase inventory
  • Working capital
  • Purchase real estate
  • Business acquisition
  • Exporting
Term Varies depending on Zions Bank business loan type Up to 84 months 12—180 months 36—84 months Up to 25 years depending on loan type
Collateral and Loan-To-Value Ratio Unsecured:
  • None required
Secured:
  • Savings, marketable securities, or equipment
  • Accounts receivable; up to 80% of value
  • Inventory; up to 30% of value
Unsecured:
  • None required
Secured:
  • Savings, marketable securities, furniture, fixtures, or equipment
  • Car or truck
Advance rate based on type, age and condition of equipment
Commercial real estate:
  • Up to 75% of value
Furniture, fixtures or equipment up to 100% of value Typically all business assets being financed; up to 90% on real estate
Repayment Term Varies depending on Zions Bank business loan type Interest and principal generally due monthly on fully-amortizing basis Varies depending on Zions Bank business loan type Payments due monthly in advance Varies depending on Zions Bank business loan type
Rate Option Variable Fixed or variable Lines of credit: Variable
All others: Fixed or variable
Fixed Variable
Other Fees One or more of the following fees may apply, depending on loan type:
  • Loan origination fee
  • Annual fees
  • Account receivables monitoring costs
  • Filing costs
  • Loan origination fee
  • Appraisal fee, if applicable
  • Filing costs, if applicable
  • Loan origination fee
  • Appraisal fee, if applicable
  • Title policy fee, if applicable
Document Fees SBA guarantee fee; packaging fee
Important Details
All loans are subject to credit approval; restrictions apply. See a Financial Center for details.
 

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This page was last modified on Mon Dec 05 13:48:51 MST 2016