Commercial Lending
You need a bank that works hard for you to help keep your business moving in the right direction. For over ninety years, United Bank & Trust Company has been working hard to serve the needs of our area businesses. Those needs often include loans, and we are ready, willing and able to meet those borrowing needs. Whether you have been in business for nine months or ninety years, United Bank & Trust Company’s focus is on building a strong, long-lasting relationship with you.
At United Bank & Trust Company, our seasoned lending staff is skilled at helping you identify the credit requirements needed to take your business to the next level. If a commercial loan can benefit your business, we offer a straightforward application process with fast, in-house decisions to get you the needed funds in a timely manner. Available financing options include:
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A line of credit is designed specifically to finance your business’s inventory, receivables, seasonal purchases, and other working capital needs. Terms are tailored to your business to help it operate smoothly and profitably.
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These loans are the ideal choice when it’s time to replace an older piece of equipment or add additional equipment. United Bank & Trust Company can provide equipment financing with flexible terms to fit to your business’s cash flows.
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| Commercial Real Estate Loans |
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If your business has outgrown its facilities or is in need of improvements, a commercial real estate loan may suit your needs. Loan funds may be used to acquire new real estate or to leverage the equity in your existing real estate to finance an expansion or improvement to your business. Repayment terms can be customized to fit your individual needs.
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Perhaps it makes sense to refinance business debts or inject additional working capital into your business. In these instances, a term loan from United Bank & Trust Company is a great choice. Terms can be structured to fit the type of collateral and repayment capacity.
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| Small Business Administration (SBA) loans |
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United Bank & Trust Company works with the Small Business Administration to help customers obtain SBA guaranteed loans when conditions warrant.
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| Letters of Credit and Credit References |
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These are provided on a case-by-case basis to assist our business customers with a variety of credit related issues.
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| Getting Started with United Bank & Trust Company |
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When applying for commercial financing, you will need to provide:
- Three years tax returns (for the business and business owner)
- Three years balance sheets (for the business and business owner)
- Current balance sheet and year-to-date income statement
- Projected cash flow/business plan
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