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Business Loan Solutions

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Your Reliable Source for Working Capital
  • Pay employees
  • Meet seasonal cash-flow needs
  • Pay suppliers
  • Initiate an advertising campaign
  • Purchase inventory
  • The ideas are endless!

Credit lines are usually secured by short-term assets, such as accounts receivable and inventory.

  • Competitive interest rates
  • Experienced commercial loan officers
  • Flexible terms

To begin your loan process, call or visit your nearest branch.

Stock Your Shelves – Take Control of Your Inventory

Stock your shelves, distribution center or retail store with an inventory loan. NBKC inventory loans are a financially sound solution to combat the strain of buying large amounts of product at one time. We’ll work with you to customize inventory financing for your unique situation. Advantages of a NBKC inventory loan include:

  • Loans are secured by inventory and/or other business assets
  • Funds are advanced as percentage of asset owned
  • Rates are fiercely competitive

To begin your loan process, print our Personal Financial Statement form as well as the Borrowing Base Certificate. After completing these forms, fax them to your NBKC Commercial Loan Officer, or bring them to your nearest branch.

Term debt is available as working capital for the purpose of adding employees, purchasing assets to expand services and/or business territory, or other general business needs. For non-recurring expenditures, term debt offers monthly repayment over a longer term rather than placement within your operating line of credit.

Grow with an SBA Loan

Whether your company is just getting started or has been in operation for years, our skilled Small Business Administration (SBA) lenders are focused on helping your business grow and expand.

An SBA loan can help you:

  • Purchase and install fixed assets such as equipment, machinery, furnishings, and fixtures.
  • Purchase or upgrade property where you operate your business, build a new facility, or make improvements to an owner-occupied property
  • Acquire capital to help manage day-to-day cash flow or expand business offerings
  • Make necessary purchases of inventory or assets for business operations
  • Purchase a franchise and/or open a new location

An SBA loan has unique advantages compared to a traditional business loan, such as:

  • SBA loans allow a higher loan-to-value ratio, allowing you to borrow as much as 90% of your business financing needs.
  • SBA loan repayment terms are longer than those of traditional bank loans.
  • Projected business income is considered for SBA loan qualification.
  • Fixed or variable rates are offered with SBA loans.

To qualify for an SBA loan, your business must be for-profit, owner operated, organized as a sole-proprietorship, corporation or professional partnership, and conform to SBA size guidelines.

For more information on our SBA loans, contact an NBKC SBA loan officer.

Purchasing, Building or Expanding?

Our commercial loan officer’s experience and expertise allows them to recommend and structure an ideal loan for your specific situation. They also have the authority to manage your credit needs. Our loan decisions are made locally, saving you time and money.

Use a NBKC commercial real estate loan for:

  • Acquisition and development
  • Construction
  • Warehouse and industrial
  • Retail and office
  • Multi-family
  • Mixed-use facilities

To begin your process, print out our Personal Financial Statement form, fill it out and fax it to a NBKC Commercial Loan Officer or visit your nearest branch for more information.

Helping You Expand Your Homebuilding Business

Whether you are a builder needing to finance a single home or several homes, our residential construction loans feature competitive interest rates, as well as varying terms. As a community bank we make our lending decisions locally, saving you time and money.

To begin your loan process, contact a NBKC commercial loan officer or visit your nearest branch.

If you’re a consumer wanting to finance the construction of your home, learn more about our personal construction loans here.

Equipment Lending Expertise

NBKC is your business partner. Through a variety of financing options, we help you obtain the equipment needed to maximize your productivity and efficiency.

  • We offer flexible financing for:
  • Construction equipment
  • Production equipment
  • Manufacturing equipment
  • Computers and other office equipment
  • Commercial motor vehicles
  • Other business necessities

NBKC can help you finance the capital assets your business needs. Eligible capital assets include:

  • Manufacturing, printing or distribution equipment
  • Heavy-duty trucks (2.5 tons and up)
  • Computers
  • Machine tools
  • Aircraft

To begin your loan process, call or visit your nearest branch.