Grow Your Business to Trade, Treasury, and Cash Management New Heights with PTB
PTB provides customized financing solutions to help businesses of all sizes reach their full potential. As a leading financial institution, we have the expertise and capital required to fuel your company’s growth. This is your guide to leveraging our flexible lending options, expert advisory services, and passion for empowering entrepreneurs.
Loans That Let You Pursue Bold Ideas
All great success stories start with a big, bold idea. But translating your vision into reality requires capital – funds
to invest in R&D, equipment, talent acquisition, and other necessities.
That’s where we come in.
PTB offers business loans tailored to your unique needs, timeline, and risk profile. Whether you need working capital to
cover operating expenses, equipment loans to upgrade machinery, or project financing to launch a major new initiative, we can help.
1. Term Loans
Ideal for major investments in equipment, property, expansion plans, and other long-term capital projects. Repaid in regular installments over 2-7 years.
2. Lines Of Credit
Revolving credit that lets you access funds on an as-needed basis. Useful for managing operating expenses and short-term working capital needs.
3. Equipment Financing
Fund the equipment purchases vital to your operations, from machinery to vehicles to IT. Structured with flexible repayment schedules.
4. Government-Backed Loans
Take advantage of special SBA loan programs for eligible small businesses, startups, and entrepreneurs. Benefit from low interest rates and extended repayment periods.
With PTB as your lending partner,
you can secure the financing required to turn ambitious objectives into reality. Our experienced team will work closely
with you to understand your business, assess options, and deliver a customized loan or line of credit that aligns with your goals.
Fueling Growth For Companies Big And Small
PTB supports businesses throughout every stage of the business lifecycle, from small startups charting new territory to established corporations pursuing strategic growth initiatives.
For early-stage and small businesses, we facilitate access to critical working capital so you can cover payroll, inventory, marketing budgets, and other operating expenses as you work to build market share.
Our Small Business Loans And Lines Of Credit Offer
- Loan amounts up to $10 million
- Fast application process and lending decision
- Competitive interest rates
- Flexible repayment terms tailored to your cash flow
- No collateral required for loans.
We Also Collaborate With Local Banks And Agencies
We partner with local banks and agencies to connect qualifying businesses with government-backed SBA loans.
These loans offer benefits such as extended repayment periods, low or no down payment requirements, and other advantages.
PTB supports businesses throughout every stage of the business lifecycle, from small startups to established corporations. We offer:
- Loan amounts from $5 million up to $100 million
- Credit facilities to support major CAPEX investments
- Customized repayment plans and competitive rates
- Loans for debt refinancing, recapitalizations, acquisitions and more
- Industry and project expertise to evaluate financing requests
PTB has the capital strength, expertise and resources to provide tailored financing up to $100 million to mid-market companies pursuing their strategic goals.
Specialty Lending:
Innovation Finance, Project
Finance and More
In addition to traditional commercial lending, PTB offers an array of specialty financing solutions for unique business needs.
1. Innovation Finance
Developing innovative new products and technologies requires serious capital investment. Our innovation finance programs supply critical funding so you can fully explore your R&D visions.
- Loans from $5 million to over $100 million
- Structured payments timed with milestone achievements
- Finance patent applications, prototypes, clinical trials and more
- Industry expertise in tech, biotech, clean energy, and manufacturing
We provide capital guidance you can trust to turn great ideas into revolutionary technologies that change the world.
2. Project Finance
From plant expansions to infrastructure upgrades, major capital projects require specialized financing. Our project finance loans offer:
- Loans from $50 million up to $5 billion
- Maximize leverage while minimizing project risk
- Mitigate risk via thorough due diligence processes
- Tap into our global network of equity investors and lenders
- Deep bench of engineers, accountants and consultants
With PTB’s project finance expertise, you can build and upgrade the infrastructure vital to your business’s continued success.
3.Commercial Real Estate Loans
If you’re looking to purchase or refinance commercial property, we offer acquisition and refinancing loans starting at $1 million. Benefit from excellent rates and an efficient application process.
4. Receivables Financing
Tap into your unpaid invoices and receivables to access working capital and improve cash flow. We provide custom facilities with advance rates up to 90% of qualified account receivables.
5. Asset-Based Lending
Monetize your assets – from accounts receivable and inventory to machinery, equipment and real estate. Our asset-based loans and credit facilities leverage your current assets to provide ready funding.
Our specialty lending solutions allow you to access non-traditional funding sources for your most complex and capital-intensive initiatives.
The PTB team brings deep expertise across a wide array of specialized financing structures and credit facilities.
Expert Advisory Services
In addition to lending, we offer an array of advisory services to help you strengthen your business operations and financial position.
- Mergers & Acquisitions – Plan and execute strategic acquisitions and divestitures.
- Debt Restructuring – Improve liquidity and long-term viability through restructured credit facilities.
- Turnaround Management – Develop strategies to reverse losses, improve performance, and restore stakeholder confidence.
- Capital Structuring – Optimize capitalization and financing strategies aligned with your objectives.
- CFO Services – Achieve financial leadership and strategic direction through experienced interim CFOs.
Our team of experts lends their hard-won experience to guide clients through complex initiatives involving financial restructuring, capital planning, performance improvement, transactions and more. Tap into sophisticated guidance tailored to your unique situation and objectives.
Why Choose PTB?
When you choose PTB as your financing partner, you’re empowered to reach new heights with:
1. Unrivaled Capital Strength
With over $50 billion in lending capacity, we have the sheer financial muscle to meet your needs at every stage and scale. Our robust balance sheet allows us to finance loans up to $100 million.
2. Agile, Customized Solutions
Rather than force your business into rigid loan structures, we start by understanding your objectives and craft flexible financing tailored to your needs. Our culture of creativity produces loans as unique as your business.
3. Industry And Project Expertise
Our specialized teams boast decades of experience across an array of industries and financing structures. Expect knowledgeable guidance tuned to your specific sector, project, and circumstances.
4. Passion For Empowering Businesses
We’re motivated by more than just profits. Our mission is to empower entrepreneurs and businesses to turn visionary ideas into reality by providing capital resources, advice, and partnership.
5. Streamlined Customer Experience
From initial consultation to funding, we aim for an efficient process. Our commitment to transparency and guidance helps you make informed financing decisions.
At PTB, we’re confident in your potential.
Let us empower you with the loans, credit, and advisory services needed to reach your grandest ambitions.
From an initial startup loan to finance exponential growth years later, we’ll be your trusted partner.