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Commercial Lending

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

Mortgages

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

Construction

We assist companies in financing 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

We offer both real estate and non-real estate secured term loans and lines of credit.

BUSINESS LOANS

  • permanent working capital for your business
  • fixed rate and terms allow for budget certainty
  • flexibility to allow for various types of financing needs

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 and $50,000.

  • Quick - approval turn-around time is 24 to 48 hours
  • Easy - a quick application, 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)

LINES OF CREDIT

  • short-term working capital needs
  • borrow only what you need up to a pre-approved limit
  • flexibility to borrow funds again as repayment of principal balance occurs

 

Business Letters of Credit

Substitutes the bank’s credit worthiness 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.

SBA Financing

We participate in SBA (Small Business Administration) financing which provides alternative programs to traditional lending.

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

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