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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

Revolver-To-Term Loan

This revolving loan can help with the financing of machinery, equipment or company vehicle purchases. Interest-only is paid for the first year, allowing lower monthly payments to give your business a head start. Following this period, the loan revolves into a fixed rate term loan, which can be tailored to your company’s needs.

Revolver-To-Term features:

  • Loan Amounts up to $10 Million
  • Interest Only Paid for the First 18 Months
  • Flexible Term Options Available
  • Choice of Fixed or Variable Rate for Term Loan
  • Local Decision Making
  • Monthly Itemized Statements

We are here to provide assistance and personalized assistance as the needs of your business change. Let Spencer help you with your financing needs.

Inquire Now

Contact Us Today

Juan Oelofse

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