Business banking
Banking built for the way your business actually runs
From the first invoice to a multi-state payroll, Crest pairs you with a dedicated business banker and treasury tools that scale with revenue.
- Dedicated banker on every account
- Same-day ACH and wire cutoffs at 5pm ET
- SBA Preferred Lender since 1994
- Integrations with QuickBooks, Xero and NetSuite
$4.1B
Lent to small business in 2024
38,000+
Business clients nationwide
2.4 days
Average credit decision
24/7
Business support line
Merchant services
Take payments anywhere your customers are
POS hardware
Countertop terminals, handheld readers and self-serve kiosks shipped pre-configured.
From $0 with 24-mo. agreement
Card processing
Interchange-plus pricing with next-day funding to your Crest checking account.
2.29% + 10¢ avg.
Online & invoicing
Hosted checkout, recurring billing and a developer API with test keys.
99.99% uptime
| Channel | Rate | Per transaction | Funding |
|---|---|---|---|
| In person (tap/chip) | 2.29% | $0.10 | Next business day |
| Keyed entry | 2.89% | $0.25 | Next business day |
| Online checkout | 2.59% | $0.20 | Next business day |
| ACH debit | 0.65% | $0.25 | 2 business days |
Interchange-plus pricing available for businesses processing over $250,000 annually.
Lines of credit
Working capital that flexes with cash flow
Estimated payment if fully drawn at 9.25%
$4,787.43
Interest accrues only on the balance you use.
Revolving line of credit
Draw and repay as needed for inventory, payroll gaps and seasonal swings. Annual review, no draw fees.
$10k – $1M
Equipment term loan
Finance machinery, vehicles and technology over 2 to 7 years with fixed payments.
From 7.99% APR
SBA lending
SBA 7(a) and 504 loans with a Preferred Lender
| Program | Use of funds | Max amount | Term | Rate |
|---|---|---|---|---|
| SBA 7(a) | Working capital, acquisition, refinance | $5,000,000 | 10–25 years | Prime + 2.25% |
| SBA 504 | Owner-occupied real estate, heavy equipment | $5,500,000 | 20–25 years | Fixed 6.42% |
| SBA Express | Fast working capital and lines | $500,000 | Up to 10 years | Prime + 4.50% |
| SBA Microloan | Startup and small expansion needs | $50,000 | Up to 6 years | 8.25% |
SBA approval is subject to eligibility and program availability. Crest is an SBA Preferred Lender.
Pre-qualification call with an SBA specialist
Document checklist and secure upload portal
Underwriting and SBA authorization
Closing and funds disbursement
Speak with a business banker
Tell us about your revenue, industry and goals — we'll map the right accounts and credit.