Commercial business loans come in many shapes and sizes. Whether you're planning to start a new business, enhance an existing business, or construct or purchase a new building, INB has a team of experienced commercial lending staff to work with you to determine your financial needs. Local decisions ensure quick and efficient handling of loan applications. 

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INB offers a variety of loan products tailored to the way your business works, including: 

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. 

For more information on any of our commercial lending products, please contact us or call us at 217-747-5500 or 1-877-771-2316.