How to get a business loan when you need one

Commercial banker recommends developing a relationship with a lender, doing your homework for the smoothest and quickest possible approval process.

Valley Bank Commercial Banking Manager Ron Ciganek (left) spends time in the field with clients and building relationships, such as this visit with a client at Chris-Craft Corp. in Sarasota. Courtesy Valley Bank
Valley Bank Commercial Banking Manager Ron Ciganek (left) spends time in the field with clients and building relationships, such as this visit with a client at Chris-Craft Corp. in Sarasota. Courtesy Valley Bank
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For businesses in need of funding for capital improvements, now is a good time to seek long-term business loans, says Tampa-based Valley Bank Commercial Banking Manager Ron Ciganek. 

Why? Because there's a narrow interest rate gap between short-term and long-term loans, Ciganek says, which makes the market ideal for borrowing for growth.

 

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