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.
For current small business owners and budding entrepreneurs looking secure funding to launch or upgrade their businesses.
Read MoreGet a predetermined borrowing limit that can be accessed only when you need it most.
Read MoreFor assistance with purchasing equipment, developing real estate, and much more.
Read MoreFor business owners who own their commercial property.
Read MoreWe believe that banking should be built on more than transactions – that it should start with relationships. Our Simply Free Business Checking and all our business checking solutions are safe, secure, and simple. So give us a call at 1-888-831-1500, come in and see us, or contact us to get started today.
We understand that starting or running a business is hard work, so we're here to help simplify it. Below are answers to some of the most common questions we receive about commercial lending.
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.
Yes. Most entity types are eligible to receive commercial loans, including sole proprietors, limited partnerships, LLCs, corporations, and nonprofits.
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.
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.
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.
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 service@fieldandmain.com to get started today!
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.
Down payment requirements for different types of collateral vary.
We’ll guide you step-by-step along the financial path toward business success.
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