Business Solutions
Business Loans

Commercial Loans

Whether you’re starting up a new business, building a second location, expanding your product line or simply trying to consolidate debt, our commercial loan officers can customize a loan to fit your specific business needs.

  • Start-Up Loans
  • Expansion Loans
  • Real Estate Acquisition Loans
  • Operating Expense Loans
  • Debt Consolidation Loans
  • Seasonal Lines of Credit
  • Machinery / Equipment Loans
  • Inventory Loans
  • We offer both short and long term business loans with flexible re-payment terms.

SBA Loans

A Service Offered by our Sister Bank, Bank of Pontiac

If you’re thinking about starting a new business or expanding your existing business, we can assist you with participation in special loan programs offered by the Small Business Administration. While starting a business can be complicated, we’re dedicated to supporting small business growth in our community and are committed to seeing your dream become a reality.

  • Compared to conventional business financing, SBA loans can offer easier qualification, lower down-payments and more affordable monthly payments.
  • An SBA Loan may be an option to consider if you’re starting or buying a new business or are unable to secure conventional financing.
  • SBA Loans are backed by the US Small Business Administration, an independent Agency of the Executive Federal Government.

Business Manager™
A service offered by our sister bank, Bank of Pontiac

Could improved cash flow help your business? We'll help you open the door to better cash flow through a program called Business Manager™.

  • A complete system that allows you to get cash for your receivables on a daily basis by selling them to the bank at a discount.
  • Effectively puts your business on an all-cash basis, enabling you to:
    1. Take early payment discounts from supplier
    2. Take advantage of quantity buying discounts
    3. Pursue new business opportunities
    4. Increase sales
    5. Make payroll
    6. Re-direct staff time
    7. Offer convenient payment terms to your customers
    8. Reduce lines of credit
    9. Eliminate debt
  • Saves you time and money traditionally spent on receivables management and gives you more time to focus on building your business.
  • Is Business Manager™ a fit for your business? The best way to find out is to talk briefly with one of our Business Manager™ specialists. Within just a few minutes, you'll know if the program is right for your business.