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Government Lending

Commercial Banking

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As an active provider of municipal financing, the markets we serve covers a broad range of entities, such as:

  • State Governments
  • Municipalities
  • Water and Sewer Authorities
  • Police Departments
  • State Agencies
  • Boroughs
  • Fire Departments
  • School Districts
  • County Governments
  • Townships
  • Housing Authorities

By the nature of their existence, these organizations are frequently charged with designing, developing and operating major capital assets for the public good. This responsibility often includes the need for long-term, effective financing to fund these projects. Examples include:

  • Construct new treatment facility for sewer authorities
  • Expand service area for water authorities
  • Additions and upgrades to schools
  • Construct new public works buildings
  • Purchase new fire equipment

Financing Specifications

On a tax-free basis, long-term financing is available to match the useful life of the financed asset. Our competitive rates can be fixed for up to 7 years and offer both floating and fixed rate reset options beyond the initial fixed-rate period. The amortization of debt can go out as far as 25 years, depending on the useful life of the assets. Taxable and tax-exempt financing solutions, including:

  • Tax anticipation notes
  • Tax revenue anticipation notes
  • General obligation bonds
  • Revenue bonds

Short-term working capital lines of credit are also available to support ongoing operations while awaiting tax receipts. 

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municipal leasing

Fund necessary equipment and real estate, manage cash flow, preserve working capital and credit lines, and maintain pace with technology with our flexible and innovative tax-exempt financing solutions. We offer customized lease purchase plans that include:

  • Single purchase leases
  • Master lease programs
  • Credit lines
  • Escrow and advance funding
  • Early purchase options
  • Special payment structures
  • Financing for non-profit organizations
Municipal leasing terms include:
  • 100% financing of the equipment costs with a fixed-rate
  • Leasing terms from one to 10 years
  • Flexible Payments that can be made monthly, quarterly, semi-annually, annually, in advance or arrears

Our experienced professionals are ready to work with you. Simply submit the contact form on this page and we'll contact you to get started.

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