Commercial Real Estate Financing

Whether you need financing for commercial land acquisition and development or to purchase or refinance an existing property, we are here to help. As a community bank, we truly care about the communities and businesses that we serve. Each business’s needs are unique, and we will work with you to find the best financing solution to help your business grow.

Key Features

  • Flexible Terms
  • Fixed Rates
  • Adjustable Rates
  • New Construction
  • Refinance
  • Conventional Financing
  • SBA Financing

Stop by your local Harbor Community Bank branch office to learn more.

Apply Today

Contact a Commercial Loan Officer Near You

Equipment Loans

Having the proper equipment to run your business is just as important as having skilled, knowledgeable employees, but sometimes it can be difficult to properly fund all of your business’s needs. At Harbor, we understand this challenge and offer equipment loans to help your business succeed. Whether you are looking to purchase a commercial vehicle or are in need of new office or medical supplies, an equipment loan with Harbor will give you the freedom to expand your business while reserving capital for your day-to-day business needs.

Key Features

  • Flexible Terms
  • Fixed Rates
  • Adjustable Rates
  • Conventional Financing
  • SBA Financing

Stop by your local Harbor Community Bank branch office and speak to a commercial loan officer to learn more.

SBA Loans

Harbor offers several Small Business Administration (SBA) loan programs1 to suit your business needs. These SBA guaranteed loans are ideal for entrepreneurs who require additional funding to meet their working capital or are looking to establish a new business, acquire or renovate an existing business, purchase or improve commercial real estate, or purchase equipment or fixed assets. Our lenders will work with you to select the program that works best for your individual business needs.

SBA Program Options

  • SBA 504
  • SBA 7(a)
  • SBA Express

Speak to a loan specialist to learn about additional loan options.

1 Eligibility restrictions apply.


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SBA 504 Key Features1

  • Finance up to $5 million
  • Typically lower down payment requirements
  • Long-term, fixed interest rates
  • May be used to purchase land, improvements, new construction, renovations, or equipment


1 SBA 504 loans may not be used to cover working capital or inventory, pay existing debt, or invest in rental real estate.


SBA 7(a) Key Features

  • May be used to provide short or long-term working capital; purchase equipment, existing real estate, or new construction; renovate an existing building; refinance or consolidate debt1; establish a new business or assist in the acquisition, operation, or expansion of an existing business; purchase inventory; or cover closing costs.
  • Finance up to $5 million


1 Debt refinance and consolidations restrictions apply. Please consult your Harbor loan specialist for details.

SBA Express Key Features

  • Accelerated turnaround
  • $350,000 loan maximum
  • Fixed or variable interest rates
  • Revolving lines of credit up to seven years

Lines of Credit

As a growing business, your company needs to have the necessary funds on hand to take advantage of expansion opportunities and cover unforeseen business expenses or seasonal working capital needs. Perfect for your short-term lending needs, a small business line of credit with Harbor lets you borrow the funds you need when you need it.

Key Features

  • Competitive rates
  • No need to reapply
  • Flexible repayment options
  • Both secured and unsecured loans available1
  • Revolving line of credit lets you pay interest only on the funds you use
  • Capitalize on business opportunities and cover unexpected expenses

Contact a commercial loan officer today to learn more!

1 All loans are subject to credit approval.

Credit Cards

Whether you are looking to build your credit or start earning rewards, Harbor Community Bank has the card for you. Each card includes EMV chip technology, verification and monitoring tools, and neural network capabilities to track spending patterns and help prevent and identify fraud.

Business Credit Cards

Our Visa Business Cards offer two distinctive programs:

  • Visa Business Preferred Points Card – Includes a $49 annual fee and a 25-day grace period on all purchases. Earn 1 point for each dollar spent up to 10,000 points per month. Redeem points for cash back, travel, merchandise, and retail gift cards.
  • Visa Business Card – Includes no annual fee, 25-day grace period on all purchases, and a competitive interest rate.

Call or stop by any one of our branch offices to obtain a current rate quote or apply for a credit card today.


At Harbor we offer more than basic checking and savings account solutions.

Foreign Currency Exchange

  • Low exchange fee
  • $200 minimum exchange amount
  • Fast, convenient service (currency typically available within two business days)
  • Foreign currency available from over 80 popular countries

*Harbor Community Bank does not provide or buy back foreign coins. Currency exchange rates change daily. Please visit your local branch to learn more.

Notary Service

This complimentary service is available to current Harbor Community Bank customers.

Contact your local branch today.

Order Checks

  • Order in person
  • Contact Harland Clarke at 1-800-503-2345
  • Order online at*
  • Mail in your order form to Harland Clarke using the address provided on the form

*Note: Online option not available if your mailing address has changed.

Overdraft Protection

Protect your account with a secondary Harbor deposit account or a Harbor line of credit.

Contact your local branch today to learn more.

Safe Deposit Boxes

  • Choose a size to suit your needs
  • Protect your valuables against fire or theft
  • Boxes available at select branch locations

Contact your local branch for sizes and availability.


Receive or transfer money quickly and securely using your account. We offer wire transfer services for our customers to destinations both foreign and domestic.

For outgoing wires, please visit any of our branch locations.