Commercial Real Estate

Transitioning your business to a new location, upgrading your existing workspace, purchasing land for 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:

  • Office Buildings or Office Space

  • Retail

  • Industrial

  • Warehouses

  • Healthcare & Hospitality

  • Religious Centers & Churches

  • Commercial, Residential, & Multifamily Property Types

 

Commercial Construction

Ready 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.

  • Loans can be funded in a lump sum or in draws based on project stages

  • Only pay interest on the amount that is outstanding or drawn

  • Permanent financing available upon completion

  • Adjustable-rate options available

 

C&I

Commercial and Industrial Loans are short-term loans to your business to finance capital expenditures or provide working capital to help cover timing gaps between cost outflows and revenue inflows. This type of loan is 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 our C&I loans:

  • Short-term loans (one to two years)

  • Usually backed by collateral owned by the business or by accounts receivable

  • Flexible rates indexed to the Wall Street Journal Prime rate

  • Typically require financial performance such as debt service coverage, or a calculation based on receivable

 

Letters of Credit

Ciera Bank offers Standby and Commercial Letters of Credit to help relieve your company’s burden of risk and helps you to provide documentation to guarantee payments that certain suppliers and municipalities may require.

 

Oil & Gas

An 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:

  • The exploration of new potential sites

  • Equipment required in the production of Oil & Gas

  • Loading, transporting, and processing of Oil & Gas

  • Financing the services required relating to the industry

 

Equipment

If 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:

  • Ciera will finance up to 90% of new equipment and up to 70% on used

  • Competitive rates and terms associated with the life of the equipment

  • Loan is typically secured by a lien on the Equipment itself

  • Periodic inspections of the equipment by Bank or Bank’s agent

 

Agriculture

If you’re a career farmer or 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 Purchase

  • Livestock Financing Lines of Credit

  • Working Capital

  • Equipment Financing

Our roots are in small Texas towns with decades of experience in agriculture lending.

 

Small Business Administration (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.

  • Longer repayment terms

  • Up to 25 years on real estate

  • Up to 10 years on equipment, inventory or working capital

  • Lower equity requirements of up to 90%

  • Fully amortizing (no balloons)

  • Loans up to $5MM