INB is open for commercial lending in Florida. 

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INB entered the market in August, 2022 thanks to a partnership with a group of well-known, well-rounded bankers who have extensive experience in multiple business sectors across Florida.

INB’s Florida Market CEO Allen Brinkman says, “Long-term relationships were instrumental in our entry into the Florida market. We have several board members located in Florida who are significant shareholders of INB.”

INB CEO and President Sarah Phalen says, “Everything just fell into place.  It was an organic and philosophical conversation at the beginning. As a result, it didn’t take long for our Florida team and INB to recognize that we share a common objective to provide service to the client that is customized, professional, and timely.”

Brinkman says, “Choosing INB as a partner was an easy decision. When you and your clients are aligned with similar goals and objectives, and you juxtapose that with an institution that is not aligned, you act. This is why our team came together. INB provides a solution to that disconnect.” 

And new customers responded. Learn how we have already made a difference through our community banking efforts by watching this short video.

Our Miami team is working together from our Miami Loan Production Office, 1395 Brickell Ave., Suite 1080, Miami, FL 33131.



Commercial Lending

INB offers these loan products that can be tailored to the way your business works.

Lines of Credit. Because your cash flow needs change from day to day, your borrowing needs may change too. With a revolving operating line of credit from INB, you'll have the cash necessary to finance your daily operating needs. You can borrow money as you need it (up to a pre-determined limit) and pay it back when you have extra funds. The amount of credit available is typically based on the value of your business assets.     

Term Loans. Commercial term loans can be used to help fund expenses like payroll or inventory purchases, to finance the purchase of new equipment or machinery, or even to purchase a new building. Term loans are typically structured with a set repayment schedule (monthly, quarterly or annually), with a term and amortization to match the type of asset financed. INB will work with you to structure a term loan to match your financing needs.

Small Business Administration (SBA) Loans. INB is a Preferred SBA Lender. Our experienced lenders can assist you in preparing the documentation needed to take advantage of the various SBA loan programs. Through these programs, you may be able to access better terms that are not typically found with conventional commercial loans at competitive interest rates.

Construction Loans: Are you constructing a new building for your growing business, or an investment property to be leased to others? INB can help you with your construction financing needs.

Low-Income Housing Tax Credit (LIHTC). LIHTC loans are designed to create affordable housing by providing a tax incentive to construct or rehabilitate rental housing for low-income households. The tax credit provides a needed opportunity and beneficial relationship between investors, banks and homeowners. 


Treasury Services

INB knows firsthand about the needs of a businesses.  After all, we are one!

We offer a variety of business banking products, from term loans to agriculture loans, to help businesses get to the next level of success. And we equip businesses with the resources and products they need to simplify processes, cash flow and employee payroll, and securely handle financial data online.

Learn more