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Business Line of Credit (BLoC) - Available for Businesses in PA, NY, & NJ

Cover Today's Needs & Seize Tomorrow's Opportunities with a BLoC from Peoples Security Bank & Trust

A business line of credit from Peoples Security Bank & Trust (PSBT) gives you flexible access to working capital—so you can cover today’s needs, seize tomorrow’s opportunities, and keep your business moving without missing a beat. With a BLoC, funds are available when you need them, and you only pay interest on what you use (subject to credit approval). It’s practical, predictable support from a community bank that knows the tri-state region of Pennsylvania, New York, & New Jersey.

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Who Benefits from a Business Line of Credit

If any of these sound familiar, a business line of credit can help:

Customers might take 30–60 days to pay, but payroll and vendor invoices are due now. A BLoC helps bridge that timing gap so your operations aren’t stalled.

Busy seasons require extra inventory and staff. During slow months, fixed costs still need to be paid. A BLoC helps smooth out the cash flow throughout the year.

Secure limited-time bulk discounts or prepay deals that improve your margins—without stressing your operating cash.

For contractors and consultants, materials and labor costs begin now, but the client won’t pay until the work is complete. A BLoC fills the gap.

Whether it’s equipment repair, a delivery truck issue, or a last-minute opportunity, a BLoC gives you the flexibility to keep moving forward.

You’re adding a crew, opening a second location, or expanding marketing—and want a cushion.

How a Peoples Security Bank & Trust BLoC Works

PSBT offers business lines of credit for small, medium, and large businesses or organizations across 39 branch locations & business centers in Pennsylvania, New York, & New Jersey.

1. Revolving Access

You’re approved for a credit limit. Draw what you need, repay as receivables arrive, and draw again.

2. Use It Your Way

Cover inventory, payroll, materials, short-term working capital, or bridge timing gaps.

3. Pay For What You Use

Interest typically accrues only on outstanding balances.

4. Local Partnership

Applications are reviewed by bankers who understand our communities and industries.

5. Right-sized support

Credit limits and terms are structured around your cash-flow patterns and needs.

6. What “Best” Means

A line sized correctly, priced competitively, and supported by a bank that understands. That's PSBT.

Business Line of Credit vs. Term Loan: Quick Comparison

Product	Best For	Key Features
BLoC	Recurring, short-term needs	Buying inventory, bridging receivables, handling timing gaps. Revolves as you repay.
Term Loan	One-time, long-term purchases	Vehicles, major equipment, build-outs. Fixed amortization.

Not sure which to choose? We’ll look at your use case and recommend the structure that saves you the most over time.

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Common Ways Businesses Use a BLoC

Purchase inventory ahead of peak demand
Cover short-term payroll or subcontractor costs while waiting on receivables
Buy materials for a new job before progress payments arrive
Fund marketing or seasonal hiring to capture more sales
Handle unexpected repairs or replacements
Consolidate small, short-term working capital needs into one flexible facility

Newer Business? Read This.

If you’re searching for a business line of credit for new businesses in Pennsylvania, New York, or New Jersey, talk with us. Every situation is different, and we’ll be candid about what may be possible. Be ready to discuss:

Your business plan and how the line supports it
Recent financials or projections
Collateral available, if any
Personal and business credit history

Even if you’re early, a conversation now can set a clear path—what to prepare, how to strengthen your application, and which milestones make financing more likely. Subject to credit approval.

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What Determines Your Credit Limit and Pricing for a Business Line of Credit:

While every approval is unique, lenders typically consider:

Time in business and revenue trends
Cash-flow stability and margins
Collateral, if applicable
Industry dynamics and seasonality
Credit history and existing obligations, if applicable

Our goal is to provide a line that fits your operating rhythm—large enough to be useful, lean enough to stay cost-effective.

Rates, Fees & Repayment

Competitive, transparent pricing based on credit profile and line size
Interest charged on the amount you draw (not the full limit)
Flexible repayment: Reduce the balance as receivables arrive; reuse the line within your limit

Exact terms are set during underwriting and are subject to credit approval. Your banker will walk you through a personalized illustration before you commit.

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Or find a branch in PA, NY, or NJ

Looking for More Ways to Manage Your Business Finances?

Explore Cash Management and Treasury Services from Peoples Security Bank & Trust, designed to support businesses throughout Pennsylvania, New York, and New Jersey. From fraud protection and ACH tools to sweep accounts and payment solutions, our team offers secure, flexible options to help you optimize cash flow and streamline operations, in addition to your business money market account.

CASH MANAGEMENT & TREASURY SERVICES

Protect your business account with Positive Pay fraud prevention, available through Peoples Security Bank & Trust’s Cash Management Services. Positive Pay helps safeguard against check and ACH fraud by matching transaction details to a list you provide, flagging unauthorized or altered payments before they post. With easy setup, real-time alerts, and no need to change your account or checks, it's a smart, secure way to reduce your risk and maintain greater control over your business finances.

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