Making use of the services of a commercial bank is one of the best ways that you can finance your business, your mortgage, and your investments. You do not have to be a Fortune 500 company to apply for commercial financing. Commercial banks handle loan applications every day from small businesses and private investors across America. It might be helpful to understand the role of commercial banks and what they can offer you.They should be seen as distinctly different from retail banks and investment banks. Although many of the larger banks offer retail and investment services, there is still some separation between these specific functions. This has been prescribed by the Glass-Steagall Act, a law which ensures that banks are solely in the business of banking and nothing else. Retail banks deal directly with the consumer. They offer financial solutions and banking facilities for the individual and they process loans for consumers based on their individual income. They handle larger investment loans specifically for businesses.Although they provide banking services for businesses, this does not mean that entrepreneurs or small business owners cannot apply for a commercial loan. They are always ready to help small businesses. With the economy showing small signs of a recovery, many commercial banks are actively promoting loans and other commercial finance options to people who may not have been eligible in the past. If you are looking for finance or even to refinance a loan, they you should consider applying through a commercial financial institution.One of the best financing options offered by them is a secured loan. If you are purchasing property or looking for financing for property investment, a secured loan lets you pledge some sort of collateral as the security for the loan. An unsecured loan is a different type of loan that usually involves money being loaned to a borrower without collateral. This could be in the form of an overdraft or even a corporate bond. If you are looking for bridging finance or a hard money loan then you might consider applying to one of the commercial banks for an overdraft credit extension.If you are in the property market and looking for property financing, applying through a commercial bank should be your first step. The current glut in the real estate market has made a large amount of bank-owned foreclosed properties available for purchase. Commercial banks will be able to assist you in financing a loan to help you buy a property or help restructure your current loan so that it works better for you and your business.