C&I Lending

Working Capital

Working capital loans are short-term loans to help a business with cash-flow needs. There are multiple times in the life of a business when it might need extra cash:

• At startup
• In a cyclical economic downturn
• During a business expansion.

At these times, the outflow of cash is greater than cash coming in, at least until new customers and payments can be generated. 

Capital Financing

To expand and grow, small businesses need new equipment and machinery and other capital items. A C&I loan can help open a warehouse, set up a production line, make repairs or renovations to existing facilities, furnish a retail store, or purchase an inventory of products

Mergers and Acquisitions

Your business might want to join with a supplier to produce a new product or combine with a competitor in a joint venture. Funding these business ventures with C&I loans is a good way to grow your business.

Term Loans

Short term commercial and industrial term loans are typically three to five years. Secured C&I loans are collateralized by non-real-estate assets of the business. 

Asset-Based C&I Loans

Asset-based loans are short-term. Assets such as inventory and accounts receivable serve as collateral and are monitored for quality and aging. Typically a fixed percentage is set for the underlying assets that serve as collateral to accommodate valuation risk.

C&I Leasing/Equipment Finance

Leasing with a bargain purchase option is an alternative way for a business to buy equipment, vehicles and other assets when the lease term has expired. The lease residual value is often low or zero. In general, interest rates are higher than those for C&I term loans, but monthly payments are lower.

Small Business Administration C&I Loan Guarantees

The  Small Business Administration offers loan guarantees that cover both commercial real estate loans and C&I loans.  View some of our SBA loan options.