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You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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Commercial Lending

We’re dedicated to our communities and
their backbone — local businesses. 

You need a financial partner who cares as much about your success as you do. With over 160 years of banking in Michigan, we’re here to help you Be-Independent_Standard-Reversed

We understand the needs of individuals, families, and businesses in our communities – and we’re committed to addressing them. 

We’re here to help your business, large or small. That’s why we offer all types of commercial loans to meet your business needs, with a wide variety of options for terms of maturity, competitive rates, amortization schedules, and collateral.

 

Find a Commercial Banker


Traditional Financing Programs

Term Loans

Independent Bank offers hundreds of businesses the capital they need to purchase everything from factory machinery to office equipment to fleet vehicles – all so they can run their business more efficiently and on a larger scale.

 

Features:

  • Flexible terms to meet the needs of different companies
  • Flexible financing requirements and collateral needs

Working Capital Lines of Credit

These flexible loans provide businesses with a revolving line of credit. Lines of credit are especially useful for bridging short-term but recurrent cash flow needs. Credit lines also allow companies to quickly make inventory or equipment purchases without reapplying for a loan and waiting for approval each time. You only pay interest on the funds you have drawn until the principal is repaid. And since credit lines are revolving, you can repeatedly borrow up to your credit limit without reapplying, as long as the account is open.

 

Features:

  • Advances are typically tied to a formula of accounts receivable, inventory, and/or equipment

Commercial Mortgages

These include loans to build, renovate, or add onto virtually any kind of commercial property – both owner-occupied and investment real estate projects such as retail, office buildings, apartment buildings, and more.

 

We value your business as much as you do. Read what some of our customers have to say about partnering with Independent Bank.

Read Customer Testimomials


Small Business Administration (SBA) Loans

Independent Bank supports the growth of businesses in its local communities through SBA lending. These small business loans are backed by the Small Business Administration of the federal government and are intended to promote small business growth by offering longer terms and access to funds for smaller companies. In addition to offering credit to businesses that might not otherwise find it, SBA loans often enable the borrower to stretch out repayment over a longer period of time and eliminate balloon payments. 


Finish an Existing Appllication

Contact a commercial banker in your area to help you determine the best options for your business. 

Find a Commercial Banker