Operating Line of Credit

As a community business lender, we’ve built our reputation on responsible lending practices in the Quad Cities and Stateline regions. Our experienced team of business lenders offer a hands-on approach to personally guide you through the financing options for your business. SENB team members are trained and prepared to provide you a “Smart. Easy. Notably Better.” banking experience, and you have our promise we will do everything we can to meet your financial challenges and optimize opportunities.

With the ebbs and flows of business, including unpredictable sales volume or timing of payment of accounts receivable, a line of credit is a tool used to provide liquidity that might not otherwise be available. This flexible financial product allows for the payment of payroll, accounts payable and a variety of other operating expenses.

Commercial Business Operating Loans in Iowa, Illinois, and Wisconsin

At SENB Bank, we understand that many businesses operate in fluctuating cycles of activity and

demand. That’s why we offer business lines of credit so you always have the operating capital you need to manage the ebb and flow of known and unknown business cycles. Best of all, an operating line of credit from SENB Bank is efficient and cost-effective.

Benefits of a Commercial Line of Credit

Whatever your short-term credit needs are, you’ll enjoy:

• Flexibitliy, can be used for business-related expenses
• Competitive rates
• Quick, local decision-making
• An easy application process

What do you need to apply for a Commercial Line of Credit?

When you visit a SENB Bank location to apply for a commercial line of credit, you’ll want to bring the following documentation to streamline the process:

• 3 years of business tax returns
• Business financial statements (balance sheet and income statement)
• 3 years of personal tax returns
• Personal Financial Statement
• Click here to securely upload financial documents

Apply for a Line of Credit Today

Whether you’re ready to apply for a commercial line of credit or you just need more information, we’re here to help. Fill out the following form and a member of our team will contact you to assist with your request. Thank you!

Contact a commercial lender today

SENB Bank Bank has been committed to the prosperity of businesses in the Quad Cities, the Stateline region and our neighboring communities since 1961. Broader resources, knowledgeable people, and fast, local decision-making on loans are what make us the partner who can help you grow your bottom line. SENB Bank team members are trained and prepared to provide you a “Smart. Easy. Notably Better.” banking experience. Our commercial lending team is always ready to help you find the right financial solution to grow your business. Call or stop into one of our locations in Iowa, Illinois, or Wisconsin today to apply for a business loan or lease!