• Term Loans: Provides financing for business expansion, equipment purchases, and business acquisitions with a specific repayment schedule at either a fixed or floating interest rate. Generally, it is used to purchase fixed assets.

• Lines of Credit: Provides a revolving credit facility to give your business the working capital it needs to smooth out your business’ cash-flow cycle.

• Letter of Credit: Like a bond, this credit instrument is actually a guarantee issued by National Bank of Middlebury guaranteeing payments on your behalf to a third party.

• Checking Overdraft Line of Credit: Looking for protection during times of uneven cash flow? This loan automatically pays for any overdrafts that may arise on a business checking account with insufficient funds to cover the transaction.