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Commercial Lending

For more information or to schedule an apointment, contact Edward J. Gallagher, Senior Vice President / Chief Lending Officer NMLS ID#799000 at 610-933-2655 or email him.

Mortgages

We offer commercial mortgages for office, industrial, retail and multi-family real estate projects.

Construction

We assist companies finance all phases of development from land acquisition through construction, for both owner-occupied and investment properties. Phoenixville Federal Bank & Trust also provides financing for small tract residential builders.

Business Loans / Lines of Credit

  • PHOENIX-EZ-LINE - a credit line designed for small businesses located within our service area who only want or need to borrow between $10,000 to $50,000
    • Quick - approval turn-around time is 24 to 48 hours
    • Easy - a quick app, 2 years tax returns,  plus your credit score
    • Cost-effective - No application fee. WSJ Prime Rate + 1.00% up to 3.00%, interest only, principal due at maturity (5 years)
  • Real Estate Secured – for mid-sized to large businesses, with credit limits ranging from $10,000 to $2,500,000 and terms up to 7 years.
  • Non-Real Estate Secured – for smaller to mid-sized businesses, with credit limits ranging from $10,000 to $2,500,000 and terms up to 5 years. Perfect for equipment financing.

We can help meet your short-term working capital needs. With a line of credit you can borrow funds (up to a pre-approved limit), repay the balance, and then borrow again as needed within an agreed upon period of time.

Term Loans

We can help the small business concern expand operations, finance new equipment or business improvements. A range of terms, usually from one to five years, is available. Longer terms are available depending on the useful life of the asset being purchased.

Business Letters of Credit

Substitutes the bank’s creditworthiness with that of the customer and represents an obligation by the bank to the beneficiary to:

  • Repay money borrowed by or advanced to or for the applicant,
  • Make payment on account of any indebtedness undertaken by the applicant, or
  • Make payment on account of any default claimed by the beneficiary in the performance of an obligation or contract.

Phoenixville Office

Phoenixville Office

P.O. Box 708
120 Main Street
Phoenixville, PA 19460-0708
610.933.1171
610.933.1176 (fax)

hours & directions

Royersford Office

Royersford Office

70 North Lewis Road
Royersford, PA 19468-2108
610.948.6100
610.948.5376 (fax)

hours & directions

Collegeville Office

Collegeville Office

74 Second Avenue (Rt. 29)
Collegeville, PA 19426-2648
610.489.6067
610.489.0342 (fax)

hours & directions

Pikeland Office

Pikeland Office

P.O. Box 1046
533 Kimberton Road
Kimberton, PA 19442
610.935.8301
610.935.3636 (fax)

hours & directions

Wealth Management

Wealth Management

P.O. Box 1046
533 Kimberton Road
Kimberton, PA 19442
610.935.8304
610.415.0149 (fax)

hours & directions

 

Limerick Office

Limerick Office

451 W. Ridge Pike, Ste. 201
Limerick, PA 19468
610.495.0790
610.495.0792 (fax)

hours & directions

Community Lending Office

Community Lending Office

P.O. Box 629
564 Nutt Road
Phoenixville, PA 19460
610.933.1000
 

hours & directions

Administrative Campus

Administrative Campus

P.O. Box 629
564 Nutt Road
Phoenixville, PA 19460
610.935.4555

Accounting - 610.933.1000

E-Banking - 610.933.1000

hours & directions