BUSINESS GUIDANE
Business Loans
Flexible financing options to help make your business dreams a reality.
Features
Business Financing Options
Line of Credit
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- Lines of credit are ideal for businesses that need easy access to cash over short periods of time to purchase inventory or manage seasonal cash flow fluctuations.
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- Access to working capital and cash
- Competitive variable rate
Term Loan
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- Term loans help your business purchase capital goods and equipment, fund a change in ownership or consolidate business debt.
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- Acquire equipment or other assets with fixed monthly payments
- Long-term financing
- Competitive interest rate
- Flexible terms and conditions
SBA Financing
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- Small Business Administration loans can be used to start or acquire a business, purchase equipment, refinance or acquire inventory and support working capital needs.
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- Long-term financing
- Lower down payments
- Competitive interest rate
- Flexible terms and conditions
- Improved cash flow as a result of the above benefits
Real Estate Financing Options
We offer flexible programs for commercial property, such as office, medical office, industrial, retail, lodging and apartment buildings.
Acquisition Financing
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- Various financing options that allow developers and investors to purchase a wide range of properties.
Construction & Rehab Loans
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- Purchase the land or commercial property, or fund new construction or renovations for your project or development.
Refinance Loans
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- Pay off an existing mortgage on your commercial property for a lower rate, a longer term and/or new proceeds.
How to Get a Business Loan
Establish a banking relationship with an experienced lender.
Building a rapport with a lender who is knowledgeable in your industry is beneficial long before you need a loan.
Reduce your debt and improve your credit profile.
Reducing your debt can quickly improve your credit profile.
Determine your eligibility.
Save valuable time by talking with an advisor to determine your eligibility for different types of loans before applying.
Review your financial details.
Lenders will review your financials, such as your cash flow, to ensure you're well-positioned to repay the loan.
Gather appropriate documents and submit your loan application.
Submitting a complete application, including all of the appropriate documents needed for the loan review, can lead to a quicker approval.
Business Loan Checklist
Required Information:
Plus the following checked items
- List of management team members, titles and years of service
- Schedule of ownership interests
- Schedule of customer concentrations
- Personal financial statements for Guarantor(s)
- Personal Tax Returns
- Three year’s Corporate Tax Returns
- Rent Roll
- Most recent Borrowing Base Certificate
- Accounts Receivable and Accounts Payable aging reports
- Schedule of other bank debt, non-bank debt and/or leases
Meet the Business Banking Team
Matt Haas
SVP Business Banking Manager
Steve Rewolinski
VP Business Banking
Steve Tangwall
VP Business Banking
Robert Cassiday
AVP Business Banking
Bryan Schauland
AVP Business Banking
Tiffany Kloc
AVP Business Banking
Ana Marino
AVP Business Banking
Eric Waite
VP Business Banking
Related Resources
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Let's start a conversation
Fill out the form below and a business banker will contact you to discuss your unique needs.
Products offered by Johnson Bank, Member FDIC, a Johnson Financial Group Company. Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. The term of the loan will vary based upon program chosen. Certain conditions, terms, and restrictions may apply based on the loan program selected. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.