Whether your business is just getting off the ground or you’re ready to look at expansion, Equity Bank has the loan products your business needs to be successful. Our commercial lenders  take the time to learn about your business and help you find the best financing solutions.  And, because we are a community bank, we make all our loan decisions locally – saving you time and money.   If you’ve missed personal service in business banking, let Equity Bank tailor a lending package to meet your business objectives.

Lines of Credit

If your company is in need of working capital, or liquidity for handling seasonal demand, we can provide the line of credit you need so you can manage your day-to-day operations and maximize profitability.  Use a business line of credit to: 

• Purchase inventory 
• Finance equipment
• Meet seasonal cash-flow or payroll needs
• Pay for advertising expenses

Our credit lines are subject to annual renewal, available with customized terms and priced at a competitive interest rate.

Equipment Loans

When it’s time for your business to acquire capital assets or equipment, Equity Bank offers a selection of loan terms and options.  Eligible business equipment or capital assets include: 

• Manufacturing, printing or distribution equipment
• Heavy-duty trucks/vehicles
• Machine tools or other production equipment

We provide flexible solutions so you can obtain the resources and assets you need to run your business.

Small Business Administration (SBA) Loans

Whether you're starting a new business, purchasing an existing firm, or planning to expand your current business, we can help.  An SBA loan can offer your business more favorable terms, rates and options than a conventional loan.  As a designated SBA Preferred Lender, Equity Bank can streamline the application process and provide you with a fast turn-around on approvals.  An SBA loan can benefit your business with:

• Lower down payment
• Longer repayment period/lower monthly payments – up to 25 years for real estate, 10 years for equipment, and 7 years for working capital
• No balloon payments
• Up to 90% financing for qualified requests
• Funds can be used for real estate purchase, construction, renovations, equipment/machinery purchases, business acquisition or start-ups, leasehold improvements
• Our goal is to help your business grow and expand, let us help you determine if an SBA loan
  is the right option for your company

Commercial Real Estate

Buying, building or expanding your business location?  The strategic use of commercial real estate is a key component of a successful business today.  Equity Bank’s commercial real estate loans give your business the ability to:

• Renovate existing facilities
• Purchase property or buildings
• Develop additional sites
• Determine the loan structure that best meets your needs

Let us help you build a sold financial foundation for your business.  Contact us at 1.888.733.5041 to learn more or to speak with a commercial lender.