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  Closing & Important Updates
We will be closed on Thursday, November 26th in observance of Thanksgiving Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

We are here for you. Important Updates Regarding Coronavirus.

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, President and CEO. Read More

The Passaic Street (Garfield) location is currently closed. During this time, please visit one of our alternate financial centers if needed. Bank Locations

Line of Credit

The liquidity of a line of credit may be the perfect credit solution for your business. The flexibility of this loan lets you manage seasonal cash flow with consistent buying power. Borrow according to your need with revolving credit. Having working capital on hand to finance your seasonal has never been easier or more affordable.

Line of Credit features:

  • Lines up to $10 Million
  • Easy Access to Your Money
  • Flexible Repayment Terms
  • Competitive Variable Interest Rates
  • Local Decision Making
  • Monthly Itemized Statements

This is a great solution to have on hand so that you can take advantage of your working capital to meet your cash flow needs. Simply put, we invest our time in your money. That’s our specialty.

Inquire Now

Contact Us Today

Juan Oelofse

SVP & Director of C&I Lending 1-201-703-3817