Advantages of Working with a Community Bank for a Commercial Loan

When it comes to securing a commercial loan, growing businesses face plenty of challenges—from rigid lending standards to slow decision-making at large institutions. According to Chip VanDette, Croghan’s Chief Lending Officer, working with a community bank can make all the difference.

What Makes Community Banks Different?

“Big banks tend to only look at the number, force your needs into their pre-existing product parameters, and make decisions from a corporate office many miles away,” Chip explains. “At Croghan, we take the time to hear your story. We evaluate the full picture, and we’re able to make decisions locally.”

That means:

• Faster turnaround times
• More personalized loan structures
• Flexibility for real-world business needs
• A team that’s invested in your long-term success

Local knowledge is invaluable. A community bank like Croghan:

• Understands regional economic trends
• Knows the local business climate
• Can connect you with local opportunities and partners

“This insight helps us provide smarter, more relevant financial advice and support,” states Chip.

Support That Goes Beyond the Loan

Croghan supports businesses in more ways than just lending. “We help with planning, connect you to local resources, and show up for the events and causes that matter to you,” says Chip. “We’re part of the same community.”

Tailored Solutions That Fit Your Growth

Whether you’re expanding into a new space, upgrading equipment, or preparing for a busy season, Croghan offers:

• Term loans
• Commercial real estate loans
• Working capital lines of credit
• SBA loans for new and younger businesses that lack the balance sheet strength of more established businesses.

“We don’t believe in one-size-fits-all lending,” Chip says. “We customize solutions based on where your business is and where it’s going.”

Real Success, Right Here at Home

Chip shares that Croghan has recently:

• Helped a local manufacturer build a modernized facility
• Supported a lifestyle business’s relocation and rebrand
• Secured SBA funding for a business acquisition passed over by larger banks

“These aren’t exceptions,” says Chip. “They’re what we do—because we take the time to find the right fit.”

Final Advice for Business Owners

“Growth can be exciting—and a little overwhelming,” Chip says. “That’s why it helps to have a partner who knows your business, your market, and your goals. At Croghan, we’re not just here to fund the next step—we’re here to walk it with you.”