Commercial Banking

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Commercial Banking

A business relationship with West Michigan Community Bank means working with a local, hands-on banker who is involved in not only your loan, but all your financial needs. WMCB's experienced and professional lending staff will work closely with you to provide solutions that meet the financial needs of your business. As a privately owned company, we understand cash flow and are motivated to help you succeed. Our dedicated team of commercial bankers throughout West Michigan utilizes local decision-making to respond to your needs quickly and efficiently.

Operating Lines of Credit

Lines of Credit provide funds to finance accounts receivable, inventory, and other short-term borrowing needs of your business. West Michigan Community Bank can offer a flexible repayment plan based on the cash flow of your business.

Term Financing

Term Loans can be used to purchase machinery, equipment, and other long-term assets for your business. West Michigan Community Bank offers competitive fixed or floating interest rate options*. Repayment terms may be fixed monthly or quarterly based on the item financed and the cash flow of your business.

Commercial Real Estate Mortgages

Whether purchasing, renovating, constructing or expanding a commercial property, West Michigan Community Bank has the plan for you. Commercial Real Estate Mortgages offer flexible options to help structure financing that best meets your needs. Commercial real estate may include commercial, industrial, retail or multi-family properties. Competitive fixed or floating interest rate options* may be amortized for periods of up to 20 years.

Transportation & Equipment Financing

We have the expertise to offer your business transportation & equipment financing options. Competitive rates* & terms are available. Let West Michigan Community Bank help you with your financing needs.

SBA Loan Programs

West Michigan Community Bank can assist you with taking advantage of traditional government-sponsored SBA Loan Programs at attractive rates* and terms. They may be used for a variety of needs including, but not limited to, the purchase of real estate or equipment and the expansion or purchase of a business. Products include commercial real estate mortgages, term loans, and lines of credit. To learn more, visit

Agricultural Loans

West Michigan Community Bank supports our agricultural community. Seasonal lines of credit, term loans for equipment or livestock, and longer-term mortgages for agricultural real estate are available. Talk to one of our lenders about WMCB's agricultural expertise today!

Letters of Credit

Whether you need standby, performance, or irrevocable letters of credit for bonding purposes, our specialists will help assemble terms tailored to your transaction or situation.

*Please contact us for more specific rate information.

All loans are subject to approval.

Per government regulation regarding certain legal entities, we are now required to collect identifying information such as name, address, date of birth and social security number prior to account opening on a control individual and all beneficial owners with 25% or more ownership. We will also ask to see a copy of a driver's license or other identifying document for each beneficial owner.  If you have questions about these requirements, please contact a representative for more information.

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Offering a wide range of highly personalized and comprehensive investment and wealth planning services.