Loans

We offer a variety of loan solutions for your personal or business needs. The information listed below is intended to provide potential loan customers with answers to frequently asked questions and give an overview of the general guidelines that Schertz Bank & Trust follows when considering specific types of loans.

Consumer Loans

Schertz Bank & Trust has a variety of financing options for consumers including:

Auto, boat, recreational vehicles, airplane
Personal
Home Improvement loans.

Term, rate, and down payment requirements are determined by the age and condition of the collateral securing the loan. Contact your local branch for more details.

Commercial Loans

Working Capital
Fixed Asset Acquisition and/or Expansion
Machinery and Equipment
Real Estate (Land and/or Building)
Lines of Credit
Letters of Credit

Schertz Bank & Trust offers many different options in commercial lending determined by the specific needs of the customer. Terms and conditions of each loan type will vary. Please contact your local branch for more information.

Real Estate

Residential or Commercial Interim Construction

80% financing available (Of total project cost or appraised value, whichever is less.)
12 month maximum interim term available (residential)
24 month maximum interim term available (commercial)
For rate information please contact your local branch.

Commercial Interim/Permanent

80% financing available (Of total project cost or appraised value, whichever is less.)
24 month maximum interim term available (commercial)
For rate information please contact your local branch.
20 year amortization available on the permanent loan.
For rate information please contact your local branch.

Commercial

80% Financing Available
20 year Maximum Term
For rate Information please contact your local branch
Purchase Money or Refinance options available
For rate information please contact your local branch.

Home Mortgages

80% Financing Available
Maximum 20 Year Amortization
Fixed Rates
For rate information please contact your local branch.

Home Improvement

80% Financing Available (Combine 1st & 2nd Liens)
15 Year Term (Maximum)
For rate information please contact your local branch.

Lines of Credit

Contract
Working Capital
Floorplan (Vehicle & Equipment)
For rate information please contact your local branch.

Applications

Disclosures

SBA Guaranteed Loans

Schertz Bank & Trust is a SBA Certified & Preferred Lender

General Small Business Loans 7(a)

The 7(a) Loan Program, SBA's most common loan program, includes financial help for businesses with special requirements.

Real Estate & Equipment Loans: CDC/504

The CDC/504 Loan Program provides financing for major fixed assets such as equipment or real estate. The SBA 504 program has distinct advantages for both the borrower and the bank in equity requirements, term, and partial fixed rate financing.

For additional information about SBA loan programs please visit http://www.sba.gov/ and proceed to;

Loans & Grants
SBA Loan Programs