Valley Capital Bank

Creative Lending

Business Development Officer

One of our experienced and dependable Business Development Officers will be available as your direct point of contact to address loan related questions and provide prompt service and support during the loan process. For more information on our loan products and services or to discuss your loan needs, please call (480) 760-4000 or e-mail us today!

Please click on a loan type for more information.

• Commercial Construction Loans
• Property development, ground-up construction, and tenant improvements. We also offer permanent loan options.

• Commercial Real Estate Loans
• Finance most property types for both owner-occupied and investor properties for purchase, refinance, expansion and cash out.

• Credit Cards
• Simplify purchases or obtain cash through your pre-arranged credit limit on your personal or business credit card.

• Home Equity Loans and Lines of Credit
• Secured by residential real estate, these products offer attractive rates for remodeling, debt consolidation, or any other purpose.

• Letters of Credit
• Commercial and standby Letters of Credit are offered to secure purchase of domestic and international goods.

• Lines of Credit
• Leverage inventory, receivables and/or equipment to provide short-term working capital.

• Overdraft Protection
• Linked to your checking account this product offers the availability of a pre-set credit line to meet unexpected business needs.

• Real Estate Secured Lines of Credit
• This product offers attractive rates and can be used to help with any business need.

• Residential Construction Loans
• Finance your lot purchase, hard and soft costs of construction and price for long-term financing.

• Residential Mortgage Loans
• Our residential mortgage lending department offers FHA and Conventional lending products to customers looking to purchase or refinance a home. Our experienced mortgage professionals will assist in a smooth transition and hassle free experience fulfilling your mortgage needs.

• SBA Loans
• Insured by the government, a 7a or 504 loan could meet your business needs.

• Term Loans
• Fixed term loans for equipment, vehicles or business expansion. Short term loans available for working capital or business investments.

Remote Deposit Demo

Preview how this amazing product will simplify your business banking! View the Demo.

New Additions

Please help us welcome Kathy Swann to Valley Capital Bank. Kathy has started as a Relationship Manager and will provide the bank’s clients with the personal account service that she has demonstrated over her years in banking. She comes to Valley Capital with over 25 years of relationship banking experience. Kathy would love to hear from you ( E-mail or call 480-760-4051). We are very happy to have Kathy as part of our team and know she will exceed your expectations.