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  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. 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