Business finance

Capital for operations, assets and growth.

Choose financing by use of funds, repayment structure, cash-flow capacity and collateral rather than by a generic business-loan label.

Use of fundsDSCRTermCollateralCash-flow cushion

Program pathways including 7(a) and 504 based on use of funds, amount and business profile.

Term financing for working capital, expansion and planned business needs.

Revolving working-capital access with utilization-based cost.

Financing aligned to asset life, collateral and cash flow.

LTV, DSCR, amortization, maturity and refinance considerations.

Business tools

Use DSCR and payment models to understand debt capacity before comparing partners.

Prepared & reviewedFNB Elkhart Editorial TeamConsumer finance, banking and product research