Commercial Loans

You’re building something special, and we want to help. The competitive rates and varying loan terms from Field & Main® can get your new business off the ground or provide a much-needed boost for your established entity. Business lending options available throughout Henderson, Lexington and Cynthiana, Kentucky to Evansville, Indiana and surrounding areas. Find a commercial loan that fits your passion and personality today.


When You Get A Commercial Loan through Field & Main, You Get:

Our lenders aren’t salespeople, they’re trusted business advisors. Our lenders are community men and women who are dedicated partners in the success of your business. With Field & Main, you also get the benefit of quick, local lending decisions.

Your lender will be available during business hours before, during, and after your loan closes. This direct line of communication is something we’re certain you’ll enjoy, that bigger banks simply can’t offer. We believe that you can’t outsource excellent service. Your lender will be available to answer your questions as they arise.

Our community banking centers promote a unique and personalized customer experience regardless of your location.

Buy, Build, or Refinance.

For current small business owners and budding entrepreneurs looking secure funding to launch or upgrade their businesses.

Stabilize your business while it grows.

Purchase the equipment you need to run your business properly.

Get a predetermined borrowing limit that can be accessed only when you need it most.

Bring the vision for your freshly upgraded business to life.

For assistance with purchasing equipment, developing real estate, and much more.

For business owners who own their commercial property.

Maximize the return on your property investment.


It all Starts with a Relationship

We believe that business lending should be built on more than transactions – that it should start with relationships. Our commercial loans offer flexible lending options to help you meet the needs of of your business. Give us a call at 1-888-831-1500, come in and see us, or contact us to get started today.


Commercial Lending FAQs

No matter what your goals are, saving should be simple. Below are some answers to the most common questions we receive about savings accounts.


What information is needed to begin the loan process?

At a minimum, we will request a personal financial statement and three years of federal tax returns for the business as well as the owner. A personal financial statement is a personal balance sheet that lists all of your assets, liabilities, and your net worth. If you don’t already have one, we will provide you a simple form and help you complete it. Depending on the loan type, other documentation may be requested as well.


Will Field & Main Bank lend to an LLC (Limited Liability Corporation)?

Yes. Most entity types are eligible to receive commercial loans, including sole proprietors, limited partnerships, LLCs, corporations, and nonprofits.

What does it take to get approved?

Commercial loan approval is based on a variety of factors and varies depending on the type of loan. In general, we consider an applicant’s experience, business projections, repayment history, future repayment ability, liquidity, as well as other underwriting criteria that may apply based on the loan type and specific project.

How long does it take to get a commercial loan?

This can vary depending on the loan type and is dependent on many variables including how quickly we are able to obtain all the necessary information from the borrower, what third party services are needed (ex. appraisals or title work), etc. What we do know is your lender will communicate with you every step of the way so that you’re never left with unanswered questions.

How much of a commercial loan do I qualify for?

It depends on many factors and is different for every customer. Lenders consider the applicant’s current and historical ability to repay loans, the applicant’s credit score, collateral value, and the applicant’s experience. There are additional factors considered as well, which vary depending on the type of loan.

Where can I find the rates and different loan products available?

We offer competitive rates and varying loan terms that can get your new business off the ground or provide a much-needed boost for your established entity. At Field & Main Bank, we also offer a matching loan term and amortization to avoid the time and expense of a refinance. Our lenders want to see you and your business succeed. We will make the process simple and personal. Give us a call at (888) 831-1500 or email us at to get started today!

What is the typical term for a commercial loan?

Our commercial loan terms range from 3 months up to 20 years depending on other underwriting factors, including the type of collateral used and the needs of the borrower.

How much is my down payment?

Down payment requirements for different types of collateral vary.

Ready to talk about a commercial loan?

We’ll guide you step-by-step along the financial path toward business success.

Business Checking

Experience secure business banking with your checking account whenever and wherever.

Business Savings

Designed for safety & simplicity, our business savings solutions were designed to meet all your short-term and long-term needs.