Financing that Moves Businesses Forward
At Western Commerce Bank, we know that strong businesses build strong communities. Whether you are launching a start-up, expanding operations, investing in property, or Equipment, our local commercial lending team provides the expertise and flexibility to help you succeed.
Because we are a community bank, our decisions are made close to home, not in a distant corporate office. That means faster answers, personalized terms, and a true partnership that grows alongside your business.
Commercial Lending Options
- Small Business Loans (SBA) – Government-backed financing options designed to support start-ups, entrepreneurs, and growing small businesses. Generally accepting lower down payments and longer repayment terms.
- Construction Loans – Fund new builds, renovations, or expansions with financing structured around your project timelines and needs.
- Operating Lines of Credit – Get flexible funding to manage seasonal cash flow, inventory purchases, payroll, or unexpected expenses.
- Commercial Real Estate – Purchase, refinance, or improve office, retail, multi-family, or industrial properties with competitive local financing.
- Equipment & Vehicle Loans – Finance the tools, machinery, and fleet vehicles you need to keep operations running smoothly.
All loans are subject to credit and underwriting and approval.
Let’s build together. No matter the stage your business is in, Western Commerce Bank is your partner for commercial lending in New Mexico.
Why Partner with WCB for Business Lending?
- Local decision making for quicker approvals.
- Relationship based service. Your lender gets to know your business personally.
- Flexible solutions for businesses of every size, from family-owned shops to regional enterprises.
- A community bank that reinvests in local events, schools, and economic development.
What Business Owners Say
“WCB believed in our vision when others didn’t. Their SBA loan gave us the foundation to grow from a small start-up to a thriving business.”
– Lovington Entrepreneur
“Our construction project stayed on track because our lender worked side by side with us every step of the way.”
– Hobbs Business Owner
“When attempting to start my business I was turned down by several banks, including some of the local banks. Western Commerce was the only bank that took me seriously. Today I have a multimillion-dollar company that has been in business over 15-years and employ well over 100 people. Because they gave me a chance when no one else would, I will always remain loyal to Western Commerce.”
– Carlsbad Entrepreneur/Business Owner
