Commercial Lending  

Our business-lending experts take the time to understand your business and then make recommendations designed to help it grow and succeed. Valley Central can provide you with building business loans and investment real estate loans, either at our Reading, OH location or our new  Liberty Township, OH location! For you, that means freeing up more time to run your business and meet with clients and less time sorting through paperwork to find the best funding options!


Business Loans

The best loan options matched with the fixed rate and term you need.

  • 1 to 5 year term options


Business Lines of Credit

Flexible terms and easy access to the approved funds of your line of credit provide you with easy administration and available capital.

  • 1 to 3 year term options
  • Prime based rate1

Equipment Financing

Your business has specialized needs, and our experts work with you to understand and provide a funding plan to add new or replace aging equipment.

  • 3 to 5 year term options
  • Fixed rate1

Commercial Real Estate

The right real estate options mean the perfect place to operate your business. Gain the expertise in funding your location needs with Valley Central Bank.

  • 20 year term
  • 5 year adjustable


Investment Real Estate

Want to become a Landlord? Valley Central offers flexible financing options for qualifying properties.

  • 1 to 4 year unit properties
    • 10, 15 and 20 year fixed rate1
    • 3 and 5 year adjustable with terms up to 30 years1
  • Line of credit secured by 1 to 4 family unit
    • 10 year, interest only


Small Business Administration (SBA) Loans

SBA offers a variety of loan programs. Contact a Valley Central loan expert to find out which program best fits your growing business.

  • SBA 504
  • SBA 7(a)


1 Your actual interest rate may differ based on your credit worthiness, overall business relationship with Valley Central and line amount.