Business Loans

In good company

At The Peoples Bank, we take the time to get to know you and understand your business, including its cashflow needs. Every business is unique, so we take an individualized approach to underwriting.

In short, we look for reasons to say yes.

Types of business loans

Land acquisition and development, construction of residential housing and commercial properties - our lenders have the experience, knowledge and market expertise to find loan solutions that best fit your needs. We offer fixed and variable rate mortgage loans.

  • Construction loans

If you are ready to build, or if you’re just starting to think about what comes next, we can provide you the right loan solution. We provide construction financing to buy your lot and build your home all in an easy, simple step. We will provide funds to acquire the lot, then work with your builder to advance funds to complete your new home.

  • Lot/land loans

Sometimes you need space to grow and build a successful business. We have loan solutions to help acquire lots and land to keep your business moving upward. Let’s get you growing!

  • Business vehicle loans

Whether you need one new vehicle for your business or a fleet, we understand the process and are here to help keep your company rolling along smoothly.

  • Equipment loans

If your business relies on heavy or specialized equipment to make things happen, trust that we can make your fleet happen for you with an equipment lending loan.

Delivering credit for maximum financial flexibility, an Operating Line of Credit meets your short-term financing needs like cash-flow management fluctuations and unexpected business expenses.

Whether you’re a multi-generation farm or a small, niche ag operation, whether you’re looking to expand or need a loan for seasonal needs, our experienced lenders understand the nuances of your industry. Every farm is different, but The Peoples Bank provides consistently outstanding service to our rural neighbors.

Waterman in our area have special needs when it comes to loans – and we know how important having the proper equipment and boat is to keep your business afloat. The Peoples Bank has the expertise to understand those needs and help you navigate the lending process.

Meet your lenders

L. Susan Barnhardt
L. Susan Barnhardt Vice President,
Loan Officer
NMLS #: 446532 Email L. Susan
Sheila Bolton
Sheila M. Bolton Vice President,
Branch Administrator,
Branch Manager (Chestertown,
Spring Ave.)
NMLS #: 446534 Email Sheila
David Bowman
David A. Bowman Senior Vice President,
Chief Lending Officer
NMLS #: 1132599 Email David
Eva Hickman
Eva W. Hickman Asst. Vice President,
Branch Manager (Millington)
NMLS #: 446537 Email Eva
Desiree McCracken
Desiree McCracken Vice President,
Loan Officer
NMLS #: 1070644 Email Desiree
Mary Chandler Obrecht
Mary Chandler Obrecht Senior Vice President,
Chief Credit Officer
NMLS #: 2045085 Email Mary Chandler
Cecil Reihl
Cecil A. Reihl Vice President,
Loan Officer
NMLS #: 446538 Email Cecil
Michael Sprouse
Michael J. Sprouse Senior Vice President,
Chief Retail Banking Officer
NMLS #: 729792 Email Michael
Kim Swyka
Kim Swyka Vice President,
Loan Officer
NMLS #: 615426 Email Kim
Carolyn Walls
Carolyn L. Walls Asst. Vice President,
Branch Manager (Sudlersville)
NMLS #: 446539 Email Carolyn

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