Business Loans


Home Bank offers many business lending solutions you can customize to fit the needs of your business. Choose from our loan and line of credit offerings below, or contact us to discuss options for financing your business.


Important Information about opening a Legal Entity Account: Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge. We proudly support all efforts to protect and maintain the security of our customers and our country.

Equipment Loans


The right equipment can help your business be more productive and profitable. Whether you’re looking to own or lease new or used equipment, our equipment financing solutions will ensure your business has the correct tools to grow and thrive.


We finance almost any kind of equipment that your business uses for generating revenue, including medical and dental, commercial vehicles, industrial equipment, machine tool, heavy equipment, computer hardware and software, restaurant and catering equipment, office furniture, and telephone systems.

Business Construction Loans


Home Bank construction loans help simplify the process of construction for your business, and can save you time and money. Construction loans are available with fixed-rate or adjustable-rate mortgages.


This overview shows you exactly what to expect from the building process, and how Home Bank can help finance business construction loans.

1. Apply for a Construction Loan

Call a Home Bank loan expert today to begin the application process for a business construction loan today. After we receive your completed application, you’ll be asked to provide the standard credit documentation, including:


  • W-2s 
  • Bank and investment statements 
  • Other documentation, such as a copy of your contract with your builder, plans and specifications of your project, and a cost estimate                         breakdown

2. Get Appraisal

Once construction plans are final, Home Bank will order an appraisal. This will determine the estimated value of your completed new building based on builder plans and specifications.

3. Secure Title and Insurance

During construction, secure a construction title policy on the project. Once construction is completed and permanent financing is secured, the fee paid for the construction policy will be applied to the final title policy.


The business or contractor must also carry a builder’s risk insurance policy while the new space is being built. Typically, any local insurance agent can write a builder’s risk policy. This protects you from covering potential damage costs to the building during construction.

4. Process and Approval of New Business Construction Loan

Once your information from the application has been verified, your loan will be underwritten. Upon approval of your loan request, a closing date will be scheduled for your construction loan.


Construction loan interest rates are tied to the prime lending rate and will vary based on your credit scenario. Most construction loan terms are six to nine months.


At closing, you will pay closing costs. Some of the closing costs are one-time expenses that will be applied to your permanent loan upon conversion of your construction loan.

5. Switch to Permanent Financing

Once construction is nearly complete, the next step is to apply for a permanent loan. We offer an array of traditional and progressive business loan options. Our experienced lenders can help you find the best loan for your business.

Commercial Real Estate Loans


Commercial real estate loans help you finance your way to facilities that fit your needs. Whether you’re looking to purchase new or existing real estate or develop commercial units, Home Bank can help you secure a loan with competitively low interest rates and flexible terms.

Small Business Loans


Home Bank is an approved Small Business Administration (SBA) lender. If you are seeking financing for your business, you may qualify for a long-term loan guaranteed by the SBA. These loans will help you improve your business cash flow and may be used for almost any business purpose if you meet SBA’s eligibility requirements.

Lines of Credit


Opening a line of credit allows your business access to cash and the flexibility to take advantage of opportunities. Once your application is approved, you will have access to your line of credit at your discretion.




  • Line sizes from $10,000 – $100,000
  • Access funds on an as-needed basis
  • One-year term
  • Variable interest rate
  • Paying down balance replenishes credit available
  • Multiple collateral options


Loan Uses


  • Finance receivables
  • Seasonal working capital
  • Trade discounts
  • Short-term cash flow

Get Started

Contact Brad Rucker today to learn more or apply for a loan.