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The launch and growth of a business is an exciting time. When you need a business loan or other financing solution to make that happen, the business lending team at JVB is ready to help.
Since 1867, we’ve helped countless businesses across Pennsylvania with funding and banking solutions tailored to fit their unique needs.
However big or small your business is, we treat every customer with the same respect and friendly service. We’re a part of your community and we care about your success.
Speak to Our Lending Experts
Your loan officer will guide you from application to funding. We’re here to help.
Get faster approvals and customized solutions from our local team.
We offer competitive rates and terms for a loan solution that fits your community business.
Jump to: Term Loans Lines of Credit CRE & Construction Equipment & Vehicle SBA Loans
Quickly summed up, a bank term loan is an amount borrowed and paid back over a specific time period, usually a set number of months. Term loans can be used to provide funds for the purchase of real estate, equipment, vehicles and seasonal time notes.
JVB offers business term loans with various maturities and repayment schedules. Commercial term loans offer the financial support your business needs to focus on growing the company.
We are eager to help you succeed with your business and we will create a term loan package to fit your business needs.
Easily apply and get a term loan decision fast with our local loan officers.
Choose a term that works for you and make payments on a predictable schedule
Use your term loan to cover operational costs or take advantage of opportunities for growth.
When applying, a few years of operational history with positive revenue and a good credit score will place you in a better position to qualify. If your company’s financials are lacking, you may be able to use your own personal credit score and financial situation to apply for the loan.
The application process for a commercial term loan is fairly simple. You’ll need to provide basic documentation of your company’s current financial situation and tax returns, as well as some personal information.
Talk To a Lender
JVB takes pride in crafting a business line of credit which takes into consideration your individual and unique personal circumstances as a local business owner, allowing us to offer very competitive interest rates.
Draw funds when you need to cover a large expense, improve your business’s cash flow, take advantage of opportunities for growth, and more. Only pay for what you use.
Lines of Credit are approved for a 60-month period and are reviewed annually.
No need to wait on funds, get instant access to approved draws.
Improve your business credit score with consistent, on-time repayments.
Pay interest only on the funds you withdraw. As you repay, the funds will be available for you to draw on again.
Each business is unique. The experienced business lenders at JVB can provide more detailed information about specific terms that would apply to your business line of credit. Qualifying businesses include:
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Develop large, mixed-use properties and office buildings with financing from JVB. We provide commercial real estate lending services for individual borrowers, developers and investors.
We also offer financing for construction of many different commercial property types with a variety of options available including bridge and construction to permanent financing.
With competitive interest rates, financing large construction projects can be more affordable with a loan from JVB.
Our extensive knowledge and experience working with Pennsylvania businesses allows us to make quick lending decisions and keep your project on schedule.
We have the flexibility to reduce customer costs and time by facilitating a “one-close” construction loan. No need to attend two closings, saving you time and money.
The documentation required to close a commercial real estate loan can be considerable. Among them are the following:
Additional risk is factored into the application for a commercial construction loan because there is no operating history (the pro forma analysis prior to lending gives a guide, but there is no tangible history related to the property). Accordingly, the lender will usually take into account other factors; i.e. previous projects completed. An executed lease or a letter of Intent (LOI) from tenants is preferred or may be required.
JVB can help guide you through the application process. We currently have lenders working from our community offices located in Juniata, Mifflin, Perry, Franklin, McKean and Potter Counties, ready to meet at your location to discuss your project.
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We offer equipment and vehicle loans for individual borrowers and corporations that can be used to purchase a wide variety of machinery and equipment to keep your business moving in the right direction.
Whatever type of equipment or vehicle you’re looking for, you can often finance up to the full cost; the purchased equipment is collateral for the loan.
This type of secured loan often comes with a lower interest rate than unsecured debt, such as a credit card.
Owning vs. leasing creates the opportunity to build equity in an asset that could be sold later.
Business equipment loans may afford some tax advantages (always consult your tax adviser).
Fixed interest rates allow you to plan your cash flow needs with more certainty.
Eligibility for commercial equipment and vehicle loans depends on your company’s history, current financial situation, credit score, and other variables. As a community bank, we are committed to investing in local businesses by providing this important financing. The application process is straightforward. You’ll need to provide a written price quote for the equipment or vehicle you wish to finance, as well as basic financial documents for your business.
Talk to a Lender
SBA Loans enable small business owners to obtain financing with smaller down payments, no minimum loan amount, and flexible repayment schedules.
Partnering with JVB can make all the difference when it comes to the decision-making process for your loan application. We are an SBA Express lender with delegated authority to process, close, service, and liquidate the 7(a) loan without SBA review.
Throughout our long history as a community bank, JVB has helped generations of Central and North Central Pennsylvania small business owners succeed. We’re ready to help the next generation too.
Use an SBA 7(a) loan to own your building and power the growth of your business.
Our lending experts have solutions for the purchase or expansion of a retail location.
We provide financial advice, solutions, and support as your business evolves.
JVB's experienced business lending team can help you navigate SBA loan requirements. From deciding how much to apply for, to gathering the necessary supporting documents, you'll appreciate the personalized support we offer at every stage of the application process. Generally, you'll need to demonstrate how long you've been in business, your personal credit history as well as your business finances, and your ability to repay the loan. You must also show your inability to obtain other types of small business financing. Some SBA loans come with free counseling and education to help you as you grow your small business. Visit the SBA website or learn more about Small Business Assistance available in PA.
Contact a Lending Expert
Juniata Valley Bank works with a wide range of businesses, from small, growing companies to established commercial operations across industries like manufacturing, agriculture, retail, construction, and real estate.
If your business isn’t listed, that doesn’t mean we can’t help. Our team takes a flexible, relationship-based approach and will work with you to understand your needs and explore the right financing options.
Timelines can vary depending on the type of loan and the complexity of your request, but our goal is always to move efficiently and keep the process moving forward.
Because you’ll work directly with a local JVB lender, decisions are made close to your business, not routed through distant approval centers. This allows for clearer communication, faster responses, and a more streamlined experience from application to closing.
If timing is important for your project or opportunity, let us know and our team will work with you to keep things on track.
Yes. When you partner with JVB, you work directly with local lenders who understand the regional business environment and take the time to learn about your operation.
This allows for more responsive communication, practical decision-making, and a relationship you can rely on as your business grows.
Our goal is to make the process clear and efficient from start to finish.
You’ll work directly with a JVB lender who will guide you through each step, including:
We’ll keep you informed along the way and are always available to answer questions.
Down payment requirements vary depending on the type of loan and its structure. In many cases, they can range from approximately 5% to 30%.
JVB also participates in SBA and USDA loan programs, which may help reduce down payment requirements for qualified borrowers.
Collateral may include real estate, equipment, inventory, accounts receivable, or other business assets. The exact structure will depend on the loan type and your business profile.
If there are gaps in collateral, programs such as SBA or USDA guarantees may help provide additional support.
A business line of credit is designed to help manage short-term cash flow needs.
Many businesses use it to cover operating expenses, manage seasonal fluctuations, purchase inventory, or bridge timing gaps between receivables and payables.
Yes. JVB participates in SBA 504 and 7(a) programs, as well as USDA loan guarantee programs.
These programs can provide additional flexibility in areas such as down payment, collateral, and loan structure for qualifying businesses.
Yes. Our lenders can meet with you at your place of business, and we offer a full suite of digital banking tools—including online banking, ACH services, remote deposit capture, and wire transfers, to support your operations.
A letter of credit is a financial tool issued by a bank that helps guarantee payment between a buyer and seller, provided certain conditions are met.
It’s commonly used in situations where trust or performance assurance is important—such as large purchases, construction projects, or contractual obligations.
