Valley Bank
- Broward Commercial Financing
Business Loans - Commerical Real Estate Mortgages
Harry T. Pellish
SVP, Commercial Lending
350 East Las Olas Blvd.
Suite #800
Fort Lauderdale, FL 33301
Phone (Cell): (954) 812-9791
e-mail: Harry T. Pellish
In the News -
Valley Bank - A History of Extraordinary Services
Valley Bank is a Community Bank serving South Florida. Valley Bank specializes in Business and Commercial Lending Services.
Valley Bank Business Services include:
- Broward Commercial Lending
- South Florida Business loans
- Commercial Real Estate for Dade, Broward and Palm Beach
- Working Capital
The Broward Valley Bank Services include:
- Broward Commercial Real Estate Loans
- Financing for build-out or improvements to commercial real estate
- Owner Occupied or Investment Real Estate
- Office and/or Warehouse Condominiums
- SBA Financing
- Business accounts
Valley Bank examines each loan request by the Five C's of Credit. This insures that the borrow is getting what they can afford to borrow and to minimize the loan risk for the bank:
THE FIVE "C's" of CREDIT
- Character is the general impression you make on the potential lender. The lender will form a subjective opinion as to whether or not you are sufficiently trustworthy to repay the loan.
- Collateral is additional security you can provide the lender. In real estate transactions this generally means the property.
- Capital is the money you personally have invested in the purchase. The more of your own money you invest as a down payment, the more likely that you will do all you can to maintain your payment obligations. Capital is also reflected by your ability and willingness to save money and accumulate assets.
- Credit is the evaluation of your habits in performing credit obligations.
- Capacity to repay the loan is probably the most critical of the five factors. The lender will want to know exactly how you intend to repay the loan.
Proud member of the Davie-Cooper City Chamber of Commerce