Financing for What’s Next

Whether you're managing finances, purchasing equipment, expanding operations, or investing in commercial property, Somerset Trust offers lending solutions backed by local expertise and personalized support.

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Financing Solutions for a Wide Range of Business Needs

No single loan fits every business situation. Somerset Trust offers a range of financing solutions designed to support everything from day-to-day operations to long-term investments and growth initiatives.

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Business Lines of Credit

Access funds when your business needs them. A business line of credit gives you the flexibility to borrow as expenses arise and repay as funds become available. It can help cover operating costs, inventory purchases, payroll, seasonal demands, and other short-term business needs.

Best for

Businesses that need flexible financing to support day-to-day operations and changing business demands.

Commercial Equipment Loans

Whether you're purchasing vehicles, machinery, technology, or specialized equipment, commercial equipment financing can help spread costs over time while preserving working capital. Our team can help structure financing around equipment investments, and business needs.

Best for

Businesses purchasing equipment that supports operations, productivity, or future growth.

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Commercial Mortgages

Commercial mortgage financing can help businesses purchase, refinance, expand, or leverage commercial real estate. Whether you're acquiring an owner-occupied property, expanding into a larger facility, or refinancing an existing building, we'll help you explore options that fit your goals.

Best for

Businesses investing in owner-occupied properties, expansion opportunities, or commercial real estate assets.

Commercial Construction Loans

Construction financing helps businesses fund new construction projects, facility expansions, and major renovations. Funds are typically disbursed throughout the construction process, helping businesses manage project costs while moving from planning to completion.

Best for

Businesses building new facilities or making significant improvements to existing properties.

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Standby Letters of Credit

A standby letter of credit provides financial assurance to a third party that contractual or payment obligations will be met. These solutions can help strengthen business relationships and provide additional confidence in commercial agreements and transactions.

Best for

Businesses that need to provide financial guarantees to suppliers, contractors, or other third parties.

SBA Loans

Small Business Administration (SBA) loan programs can provide additional financing opportunities for qualifying businesses. These government-backed programs are often used for working capital, equipment purchases, business acquisitions, real estate investments, and other growth-related needs.

Best for

Businesses seeking flexible financing solutions that may offer different qualification and repayment structures.

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Meet Our Lending Team

Our locally based lending team works with businesses of all sizes and industries. We believe strong financial partnerships start with understanding your business, your goals, and the challenges you face every day.

When you work with Somerset Trust, you'll have access to experienced lenders who know the local market and are committed to helping you explore financing solutions that support your long-term success.

Business Financing Starts With a Conversation

Getting the right financing starts with understanding your business. Our lending team will help you talk through your goals, compare options, and move forward with a plan that fits.

  1. Share Your Goals

    Tell us what you’re planning, what you need to finance, and how the loan may support your business.

  2. Review Financing Options

    A Somerset Trust lender will walk you through available loan structures, requirements, and next steps.

  3. Move Forward With Support

    Once approved, we’ll help you complete the process and stay available as your business needs change.

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Business Lending FAQs

Commercial financing comes with important decisions. These answers can help you understand the basics before you connect with a Somerset Trust lender.

Somerset Trust offers commercial lending options for working capital, equipment purchases, commercial real estate, construction projects, SBA financing, and other business needs.

The right option depends on what you’re financing, your timeline, cash flow, collateral, and business goals. A commercial lender can help you compare options.

Documentation varies by loan type, but you may need business financials, tax returns, ownership information, collateral details, and information about how funds will be used.

Yes. Somerset Trust can help eligible businesses explore SBA lending options and understand the application process, requirements, and next steps.

Trusted by Our Neighbors

Working with this team has been an exceptional experience from start to finish. The combination of responsiveness, expertise, and true customer care made all the difference, and we couldn't be more grateful for the experience.
Dave Mohnkern, Dynamic Metal Processing Corporation
The team at Somerset Trust is very responsive which made our banking transition seamless. There is always support staff available when a question or problem arises. We couldn't be happier with our working relationship with Somerset Trust.
LaVale Sanitary Commission
STC has assisted the VFD with several loans to renovate our building and purchase a new fire engine, each time they were more than willing to finance our projects. The process was fast and easy with very competitive rates on the deposit side.
Meyersdale Volunteer Fire Department
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Let’s Move Forward, Together

Open an account, explore your options, or receive personalized guidance from a local expert.

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