Idaho Banking Company - The Art of Banking
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Commercial Loans

Business Term Loans

Expand your business, consolidate debt, or purchase a new commercial vehicle or equipment with business term loans. Turn your small business goals into reality without depleting your working capital. Some benefits of business term loans are:

  • Fixed monthly payments to help you manage your budget
  • Covering long term purchases without depleting savings or credit line balances
  • Automatic payment deductions are available
  • No prepayment penalty
Loan Size: Amount based on approved credit
Term: Up to five years
Rate: Competitive fixed or variable interest rates
Fee: Amount based on loan and total bank relationship
Collateral: Fixed assets owned by the business (equipment, machinery, vehicles, etc.)

If you are interested in learning more about this or any other Idaho Banking Company loan product or service, please visit with one of our lenders. Check the Locations Page for a listing of branch locations and contacts.

Business Real Estate Loans

Business real estate loans are available for the construction, acquisition, or refinance of commercial properties. Idaho Banking Company's lenders can assist you in designing a finance package to fit your specific needs. Please refer to our Locations Page for a listing of branch locations and contacts.

Working Capital Lines

Lines of credit to support your business operating cash flow are available based upon your business’s financial performance. Working capital lines are generally secured by the accounts receivable (and inventory, if available) from your business. Working capital lines of credit provide:

  • Cash to fund your company’s “financing gap” (that time between the collection of accounts receivable and the need to pay accounts payable and/or purchase inventory)
  • Cash to fund seasonal business operating needs
  • Cash to support sales growth
Loan Size: Amount is based on individual business needs
Term: Annual review
Rate: Variable rate based on prime rate
Fee: Based on loan amount and total bank relationship
Collateral: Accounts receivable and inventory (if available)
Minimum Payment : Interest on outstanding balance due monthly

If you are interested in learning more about this or any other Idaho Banking Company loan product or service, please visit with one of our lenders. Check the Locations Page for a listing of branch locations and contacts.

 

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