Commercial Loan Information

General Information Only

1. Lines available from $20,000 to $50,000.
2. Line is accessed by pre-printed check.
3. Minimum advance is $1,000.
4. Advances will reduce the amount of credit available.
5. Five year draw period, during which the line can be advanced, paid down and re-advanced.
6. Monthly payments are interest-only for the draw period. After five years, any remaining balance will be termed out into a five year installment loan with monthly principal and interest payments.
7. $50 annual administrative fee.
8. Subject to approved credit.

Please do not hesitate to contact a Loan Officer with any questions.

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General Information Only

1. Lines available from $5,000 to $20,000
2. Line is accessed by check overdraft 
3. Advances on the line are made in $500 increments
4. All signers on the checking account will have access to the line.
5. Monthly principal and interest payments will be equal to 3% of the outstanding balance.
6. $50 annual administrative fee
7. Application Required

Income verification may be required.
Subject to approved credit.

Please do not hesitate to contact a Loan Officer with any questions.

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General Information Only

1. Minimum line amount is $50,000
2. Used for equipment purchases and working capital needs
3. Minimum advance is $5,000. 
4. Proceeds either disbursed by check or deposited into a DCB account.
5. Guidance lines do not require an annual  “30-day resting period”
6. Annual financial statements and tax returns are required for all  existing lines of credit, whether or not any advances are outstanding

In order to give new line of credit requests proper consideration, we will require the following documentation with all applications:

• 3 years business financial statements and tax returns
• 2 years personal tax returns for all owners 20% or more
• Personal financial statements for all owners 20% or more
• Articles of Incorporation or Partnership/LLC Agreement

Please do not hesitate to contact your Loan Officer with any questions.

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General Information Only

1. Minimum line amount is $50,000
2. Used for short term business transactions. 
3. The line of credit can be advanced, paid down and re-advanced
4. Minimum Advance is $5,000
5. Proceeds either disbursed by check or deposited into a DCB account. 
6. Line can be activated by coming into a branch OR by fax/phone, provided that the funds are deposited into a designated checking account.
7. The advances will reduce the available balance on the line.
8. The line of credit will be billed for interest monthly on the total line balance outstanding. 
9. Line of credit requires an annual “30-day resting period”
10. Annual financial statements and tax returns are required for all  existing lines of credit, whether or not any advances are outstanding

 Please do not hesitate to contact a Loan Officer with any questions.

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DCB has partnered with Chesapeake Industrial Leasing Company, Inc. Chesapeake is a national leasing company committed to quality and professional industrial lease financing alternatives for business customers. Chesapeake handles leasing for all types of business equipment such as: computers, forklifts, modular buildings, trucks, office equipment, tractors, construction equipment and much more.

Flexibility in designing a lease agreement to fit your specific needs

8 out of 10 American companies lease equipment!
Benefits of leasing include:

*Consult your tax/accounting advisor regarding these benefits

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