Construction Loans

Holladay Bank & Trust offers residential and commercial construction loans. Residential loans range from single family residences to multi-family projects; while our commercial construction projects span from office and retail to industrial sites.

Our construction loans feature a variety of terms depending on the type of property and the level of financial support required.

Loans for Acquisition and Development

If you are planning on the purchase and development of land for commercial properties or residential tracts, our real estate lending specialists can assist with your financing.

Business Loans

Holladay Bank & Trust offers a choice of flexible financing options to meet the needs of your growing business. Whether its short-term financing to assist with seasonal cash flow, or longer-term financing to purchase fixed assets or the building it occupies, we can help.


Lines of Credit are available to assist your business in times of short term working capital. They are generally secured by the assets of the business.


Term Loans can assist your business with expansion, the purchase of equipment, machinery, the building it occupies, or other fixed assets. Owner occupied commercial real estate can be financed with a conventional real estate loan or through the Small Business Administration (SBA) 504 program.


For longer-term financing of commercial real estate, we offer semi-permanent loans on many types of existing properties, including office, industrial, and multi-family residential. These loans are amortized over 20 years, with a balloon payment due at the end of the term. The amount you can borrow will depend on the type and value of the property.

Personal Loans

To meet your personal borrowing needs Holladay Bank & Trust offers a variety of loans. The following is a short list of the personal loans Holladay Bank & Trust offers:

  • Home Improvement loans
  • Home Equity Lines of Credit
  • Personal, Auto, Boat and RV Loans
  • Credit Cards-Take advantage of our competitive rates, flexible terms, and easy application process.