|
|
|
Ciera Money Market Savings
|
|
Visit your local branch or call us for additional details and current rates |
Health Savings Account (HSA)An HSA helps those with HSA-qualified health plans shoulder the burden of many out-of-pocket medical expenses like office visits, prescription, vision and dental. Contributions are excluded from gross income, interest on the balance is tax deferred, and distributions for qualified medical expenses are tax-free. Please speak with a Ciera Bank representative for more information or visit the Department of the Treasury for more details.
|
Ciera Commercial Platinum
|
Commercial Real EstateTransitioning your business to a new location, upgrading your existing workspace, purchasing land for a future construction, or adding some variety to your portfolio by investing in commercial real estate, can be daunting but well worth the risk. Ciera Bank’s commercial lending team is ready to help you purchase, or refinance, the perfect property for your business. Our staff has the expertise in our local real estate markets to help you make the right decision with offers that conform specifically to your operations. We offer financing on many property types including:
Our team is ready to guide you through the entire process from start to finish. Please come in to your local branch today to speak with a Ciera Bank Commercial Lender or call us at 940-549-2040 for more information. |
Commercial ConstructionReady to expand your business? Is it time to build a brand-new building or add on to your existing location? No matter what your circumstance may be, the Ciera Lending Team is ready to help by providing you with the funds you need to finance your next development or construction project. Ciera offers competitive rates and terms that allow your business to pay for these projects in stages based on the construction of the project. This helps space out the substantial costs associated with Commercial Construction over a longer period of time preventing your business from having to fund the entire project up front.
Speak to your local Ciera Bank Commercial Lender for additional information to help get you started today! |
C&ICommercial and Industrial Loans, are short term loans to your business to help finance capital expenditures or provide working capital to help cover timing gaps between cost outflows and revenue inflows. These loans are ideal for expanding your business or purchasing inventory and can be a great alternative to trying to find equity investors to help finance growth. Some important features of C&I loans:
|
Letters of Credit
|
Oil & GasAn experienced lending staff is an absolute necessity to get you out in the field faster with the tools you need. Ciera Bank can help! Our team consists of lenders with years of experience in the West Texas Oil Field and Board Members with decades of service and operation in the industry to provide guidance. Ciera can offer a range of credit facilities from term notes, lines of credit and letters of credit to aid your company in the many time sensitive tasks associated with this field, such as:
|
EquipmentIf your business needs equipment to operate, you are likely to face expenditures not only with the initial purchase, but also with upgrading, replacement and maintenance. Take the stress out of having to purchase “in full” or negotiating with dealers by letting the Ciera team assist you with a commercial equipment loan. We can help finance a wide variety of equipment ranging from vehicles, trailers, aircraft, machinery, and many more. Some Important factors to consider when inquiring about an Equipment Loan include:
|
AgricultureIf you’re a career farmer / rancher, or maybe just a weekend rancher trying to get away, odds are you’re going face some substantial costs with your operation at one point or another. Ciera Bank is equipped with the tools and experience to help you out. We offer a wide range of facilities to finance many related activities such as: Ag Land Purchases, Livestock Financing Lines of Credit, Working Capital options, and Equipment financing (see above). Our roots are in small Texas towns with decades of experience in all things Agriculture. Talk to your local branch representative today to find out more. |
Small Business Admin (SBA)Ciera Bank is committed to fueling the growth of small businesses. Our group of bankers will work with you and your company to walk through the loan process of submitting an SBA 7(A) or 504 Loan. With greater flexibility within the underwriting process an SBA loan can benefit businesses through real estate purchases, new construction, facility expansion, equipment purchases and working capital for inventory.
|
USDADoing business in a town with population of less than 50,000? Ciera Bank offers USDA loans that may be a fit for your business or personal needs. The USDA bolsters the availability of credit in rural qualifying areas for the following purposes:
|
Associated Services
|