Business Lending

Small Business, Big Dreams

It’s time to partner with the bank that understands what it’s like to be a busy business owner. CognateHoldings offers all of the products that the big banks do but we get to know you and your business while understanding what you need.

Business Loans

Better businesses improve the community.

It’s simple… CognateHoldings wants the businesses in our community to succeed. Successful businesses like yours contribute to a better community.

Whether you’re starting your business, improving processes, spaces, and equipment or acquiring working capital, we can help!

Mortgages

We offer both owner-occupied and investment commercial mortgages for office, industrial, retail and multi-family real estate projects.

Construction

We assist companies in financing all phases of development. From land acquisition through construction, for both owner-occupied and investment properties, Cognate Holdings & Trust also provides financing for small tract residential builders.

Business Loans / Lines of Credit

CognateHoldings offers both real estate and non-real estate secured term loans and lines of credit.

Flexibility to allow for various types of financing needs

Business Loans

Permanent working capital for your business
Fixed rate and terms allow for budget certainty
Flexibility to allow for various types of financing needs

Lines of Credit

Short-term working capital needs
Borrow only what you need up to a pre-approved limit
Flexibility to borrow funds again after repayment

Business Letters of Credit

A business letter of credit substitutes Cognate Holdings & Trust’s credit worthiness for your company’s, obligating the bank to:

Repay money borrowed by or advanced to or for the applicant,
Make payment on account of any indebtedness undertaken by the applicant, or
Make payment on account of any default claimed by the beneficiary in the performance of an obligation or contract.

SBA Financing

CognateHoldings participates in SBA (Small Business Administration) financing which provides alternative programs to traditional lending.

It’s time to do business! Make the call today!

For more information or to schedule an appointment, please call 610-933-2655 or email:

	Steven T. Pratt Senior Vice President / Chief Lending Officer NMLS ID#422033
	Brian DePolis Vice President / Commercial Relationship Manager NMLS ID#1849735
	Jennifer Schell Vice President / Commercial Relationship Manager NMLS ID#984613
	Mark Everett Assistant Vice President / Commercial Relationship Manager NMLS ID#1842934
	William Major Assistant Vice President / Portfolio Manager NMLS ID#649820