Commercial Loans

Yes, you can refinance an existing commercial loan with D.L. Evans Bank. Whether you’re looking to lower your interest rate, adjust your loan terms, or access additional funds for your business, our team is here to help you explore your refinancing options. We’ll work with you to understand your goals and find a solution that fits your needs. If you’re interested in refinancing, please contact our commercial lending team or visit your local branch to get started.

Yes, D.L. Evans Bank offers flexible repayment options for our commercial loans. We understand that every business is unique, so we work with you to find a repayment plan that fits your cash flow and financial goals. Whether you need a short-term loan, a longer-term solution, or seasonal payment structures, our team will help customize terms to best support your business. If you’d like to learn more about our repayment options, please reach out to our commercial lending team—we’re here to help you succeed!

The approval process for a commercial loan at D.L. Evans Bank typically begins with submitting your application and supporting documents. Once we have everything we need, our lending team will review your information, discuss your business goals, and may reach out for any additional details. We pride ourselves on local decision-making, which helps us provide timely responses—many loans are reviewed and decided within a few weeks, though more complex requests may take a bit longer. Throughout the process, we’ll keep you informed and are always here to answer your questions or provide updates on your application’s status.

When applying for a business loan at D.L. Evans Bank, you’ll need to provide some key documents to help us understand your business and financial needs. Commonly requested documentation includes:

• A valid government-issued photo ID for all business owners or signers

• Business formation documents (such as Articles of Incorporation, Partnership Agreement, or LLC documents)

• Your business’s Tax Identification Number (TIN) or Employer Identification Number (EIN)

• Recent business financial statements (like balance sheets and profit & loss statements)

• Recent business and personal tax returns

• A business plan or summary of how you intend to use the loan funds

• Information about collateral (if applicable)

Requirements may vary depending on the type of loan and your business situation. If you’re unsure what you’ll need or have any questions, our commercial lending team is happy to walk you through the process and make it as smooth as possible.

At D.L. Evans Bank, we welcome businesses of all sizes and industries to apply for a commercial loan—whether you’re a new customer or have been banking with us for years. If you have a business need, such as working capital, equipment, inventory, facility improvements, or commercial real estate, we’re here to help. To get started, you’ll just need to provide some information about your business and what you’re looking to accomplish. All loans are subject to credit approval, and specific requirements may vary depending on the type of loan, but our team is here to guide you every step of the way. If you have questions or want to explore your options, we’d love to chat!