Commercial Real Estate Loans

Sitting across the desk from the loan officer who will approve your loan is a rare luxury.

But that’s what you get when you apply for a loan at Jefferson Bank. Our loan decisions are made locally. Our 5 commercial lenders have over 128 years combined experience making a variety of commercial loans. Whether you’re seeking a construction loan, small business loan, or acquiring and developing land, our loan officers have the knowledge and expertise to help you achieve your goals.

SBA 504 Program
The Small Business Administration’s 504 program is designed for real estate purchases and long-term equipment transactions. The loan is divided into three categories:
- 50% bank financing on conventional terms
- 40% SBA financing on more favorable terms with a 20-year fixed interest rate
- 10% or more borrower funds


Income Producing Properties
Jefferson Bank makes financing available for income-producing loans including purchase of existing property (including land acquisition and construction costs), and refinancing of existing owned investment properties.
- Loans may be structured to meet your specific needs including
- Short-term
- Intermediate
- Long-term financing


Land Acquisition and Development
Financing is available for purchase of land for developing
Single family
Multifamily
Or commercial properties.


Construction Loans
Funding is available to professional builders for the development of
Single family
Multifamily
Or commercial properties



Special Purpose Real Estate
Expanding or upgrading properties and businesses in the community is important to responsible community banks. Jefferson Bank has financing available for
Church buildings
Private educational facilities
Medical buildings and complexes
Movie theaters
Restaurants
Motel/hotels
Car washes
Agribusiness facilities


Owner Occupied Business Properties
For construction or acquisition of commercial real estate who need the business to house their operations.
These loans are available for business owners who:
Expand into a new market
Relocate an existing business
Renovate or improve an existing business
Or for long-term working capital needs