You can borrow against the equity of residences that you own.

• Collateral: Junior Deed of Trust on your primary residence.
• Terms and Interest Rates: Please ask a Bank representative.

For the convenience of the Bank clients, Uniti Bank accommodates your request for the issuance of credit cards (Visa Cards).

Uniti Bank extends overdraft protention lines to those clients maintaining Checking and Savings accounts in good standing.

This is the most commonly used SBA program. It provides term loans for the purchase of business real estate or business assets.

• Purpose: Acquisition of fixed assets; working capital; start-up financing, owner occupied real estate acquisition, business purchase.
• Government Guarantee: 75% to 85%
• Loan Amount: Max. 2 million.
• Maturity: 5 - 7 years for working capital, up to 10 years for business and equipment purchase.
• Interest Rate: Variable and fixed rate available
• Collateral: Real estate and personal assets
• Eligibility: Certain size limitations are applied according to the industry that the borrower is in.
• Benefits of this SBA Program:
    * Longer terms available.
    * Lower down payment for the purchase of assets.
    * Credit enhancement.
  

This program is specially designed for the purchase of fixed assets at lower down payments and lower interest rates. Typically, the Bank makes a senior lien real estate loan for 50% of the purchase price, while CDC (backed by the SBA) covers up to 40% of the purchase price with a junior lien loan.

• Purpose: Fixed assets only(real estate or equipment).
• Loan Amount: Usually $2,000,000
• Maturity: 10 or 20 years
• Interest Rate: Lower than for conventional loans
• Collateral: Real Estate
• Benefits of this Program:
    * Down payment as low as 10% of the cost
    * Lower interest rates.
  

These loans are made to businesses and/or business owners. If the business is a legal entity, major shareholders must become guarantors.

• Purpose: Purchase of business; purchase of equipment; permanent working capital
• Term: 5 years.
• Interest Rate: Variable based on Prime Rate
• Collateral: Tangible and intangible business assets, Real Estate, and other rights of monetary value that the Bank may require if deemed necessary.

These are revolving credit facilities for businesses and/or business owners. Borrowers can borrow and repay up to the designated line amount within the maturity under the terms and conditions set forth. If the business is a legal entity, major shareholders must become guarantors.

• Purpose: Temporary, seasonal working capital; Carrying A/R and/or inventory; Future business expansion; Cash reserve for future uncertainties.
• Term: Renewable at maturity.
• Interest Rate: Variable based on prime rate.
• Collateral: Secured or unsecured depending upon the strength of the borrower.

Uniti Bank accommodates business credit card to make your business operations easy and comfortable. Enjoy convenience of business credit card with multiple cards that you can have for your key employees.

Uniti Bank can assist your acquisition of real estate properties for the business purposes. We can customize structure your loan to meet your future cash flow pattern.

• Purpose: Purchase of business real estate properties; Capital improvement of business real estate properties.
• Term: Max. 10 year maturity. Max. 25 year amortization plan.
• Interest Rate: Variable Rate and/or Fixed Rate available
• Collateral: 1st Deed of Trust on the Real Estate.

Uniti Bank offers a flexible construction loan program, that will fit your construction schedule and construction budget. The Bank's strict disbursement control will assist the borrowers to follow the progress of the construction.

• Purpose: Construction of business real estate properties; Capital improvement of business real estate properties.
• Term: Max. 2 year.
• Interest Rate: Variable Rate and/or Fixed Rate available
• Collateral: 1st Deed of Trust on the land to be constructed on. Land draw and reimbursement of soft cost possible.