Flexible Business Financing

Commercial Lending Solutions to Help Your Business Grow

Independent Bank provides commercial lending options, from term loans to credit lines, helping businesses secure funding for growth, real estate, and working capital.

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Commercial Lending FAQs

Answers to Common Questions About Commercial Loans

How long does the decision process take?

Timelines vary, but our streamlined process ensures prompt decisions.

What is a term loan, and how can it benefit my business?

A term loan provides capital for large purchases like machinery, vehicles, or office equipment, helping your business grow and operate more efficiently. Our term loans offer flexible terms, collateral options, and competitive rates.

How does a working capital line of credit work?

Our working capital lines of credit offer a revolving credit line for short-term cash flow needs. They are designed to help with recurring expenses like accounts payable, inventory or equipment purchases, and you only pay interest on the amount you draw, not on the total credit line.

What financing options do you provide for commercial real estate?

We offer commercial mortgages for owner-occupied and investment properties, such as industrial needs, retail spaces, office buildings, and apartment complexes. Our commercial real estate financing can cover building purchases, renovations, or expansions.

What are SBA loans, and how can they support my small business?

SBA loans are government-backed loans designed to help small businesses access funding with longer repayment terms and flexible rates. Options include the 7(a) program for loans up to $5,000,000, the 504 loan for real estate financing with a 10% down payment, and SBA Express loans up to $350,000 for asset acquisition and working capital.