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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

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