Commercial Loans

Atlantic Stewardship Bank understands the local business and financial environment and offers a dedicated and well seasoned lending team along with a portfolio of flexible products for both the savvy and the novice commercial borrower.

The northern New Jersey business environment is as dynamic as it is diverse. Whether you require working capital, equipment or vehicle financing, long-term borrowing for business expansion, letters of credit, a commercial mortgage or construction financing, our experienced lending officers will work with you to guide you through our commercial loan products and develop a financing strategy that best suits the needs of your business.

Quick Loans

Perfect for small business owners with good personal credit. The Quick Line of Credit and Quick Term Loan require only a short simple application for requests from $10,000 to $50,000 with approvals provided in less than 48 hours in most cases. For loans in excess of $50,000 and up to $150,000 a summary personal financial statement and 2 years of Federal Tax returns must be submitted with the application.

The Quick Line of Credit, which is best used to support working capital requirements, has a three-year term and does not require an annual clean up.

The Quick Term Loan is primarily used to support equipment purchases, leasehold improvements, vehicles or other long-term capital requirements. The Quick Term Loan provides for repayment over a period as long as 5 years.

Lines of Credit

Larger businesses often require greater amounts of working capital. Your Atlantic Stewardship lending officer will work with your management team to provide a facility to allow you to meet demand for your product or service.

Letters of Credit

Perhaps you are importing or exporting goods or raw materials or require a letter of credit for municipal improvements or as rent security. Atlantic Stewardship Bank offers all types of domestic and import letters of credit.

Term Loans

If you are purchasing inventory, expanding or acquiring a business or purchasing equipment or vehicles, Atlantic Stewardship Bank offers flexible rates and terms to make the borrowing comfortable for your business.

Commercial Mortgage Loans

With the help of your Atlantic Stewardship Bank loan officer, the experience of purchasing or refinancing commercial real estate will be a pleasant one. Rather than quote flat rates and terms, your loan officer will take the time to learn about your business and work with you to create a product which makes sense.

Construction Mortgages

Whether you are building your dream home, renovating your commercial building or developing a multi-lot subdivision, Atlantic Stewardship offers products and expertise developed from vast experience in construction financing.

What sets the Atlantic Stewardship Bank commercial lending division apart from other commercial banks? Your Atlantic Stewardship loan officer is a professional banker dedicated to offering the highest level of customer service. This credo will be evident from your first contact through the closing of your loan. We believe in building strong and mutually beneficial relationship and will consistently go above and beyond to make your banking experience a happy one. Our home office is located at 400 Hamburg Turnpike, Wayne, New Jersey. You may contact us through any one of our branch offices, by calling our main switchboard at (201) 444-7100 or by dialing 877-844-BANK toll free if out of immediate Midland Park area.

M. Bernard Joustra, Vice President and Commercial Loan Officer

Lines of Credit, Term Loans and Commercial Mortgage Loans

Cynthia Perrotta
Vice President and Commercial Loan Officer
(201) 493-2951

Construction Loans and Commercial Mortgage Loans

David Van Lenten
Vice President and Commercial Loan Officer

CONTACT US BY EMAIL

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• Quick Loans
• Write-Line of Credit
• Lines of Credit
• Letters of Credit
• Term Loans
• Commercial Mortgage Loans
• Construction Mortgages

Important Information

On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

We proudly support all efforts to protect and maintain the security of our customers and our country.