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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

Revolving Line of Credit

When it comes time to invest in small equipment or boost your working capital, you need a business lending partner that’s on your side. That’s why Spencer created the BusinessEdge® Express Revolving Line of Credit. Not only do you get access to funds to manage everyday business expenses; you get quick decisions from a business lending team that takes time to understand your goals – and then delivers real solutions, fast.

BusinessEdge® Express Revolving Line of Credit features:

  • Loan Amounts up to $250,000
  • Monthly Interest and Principal Payments
  • Great for Working Capital
  • Competitive Variable Rate
  • Local Decision Making
  • Simplified Application
  • Fast Approval Turnarounds

Why wait on a lending decision? With a BusinessEdge® Express Revolving Line of Credit, you get answers quickly and locally from a bank that knows how important that is.

Inquire Now

Contact Us Today

Richard Vaill

VP & Business Development Officer Team Leader 1-973-699-5616