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Business Financing to meet every need.

 

Business Term Loans

Looking to expand your business with an injection of cash on a term basis? A Horizon Bank business term loan may be your solution.  Our term loans are created with a specific dollar amount and pre-determined repayment schedule, so you have access to the funds you need without having to worry about your ability to meet your repayment deadlines.

  • Finance equipment, invest in long-term capital purchases or make business acquisitions
  • Loan periods with predictable payments and consistent rates with manageable repayment schedules
  • Consistent rates across the entirety of the loan period

Talk to a business advisor.

Request a Call      Visit branch

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Lines of Credit

Meet your short-term business goals by making cash available when you need it.  A business line of credit offers flexible financing via an open line of credit to repay or reuse making your day-to-day business life easier.

  • Use for equipment finance & leasing, office supplies, business development 
  • Access credit line funds without tedious approval processes
  • Pay interest only on funds used
  • Benefit from payment flexibility, with options ranging from interest-only to entirety of your balance

Talk to a business advisor.

Request a Call      Visit branch

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Commercial Real Estate

Horizon Bank commercial mortgages help you leverage your existing commercial assets to meet the needs of your growing business. Taking out a mortgage on your commercial property can provide you with the financial stability you need.

  • Expand existing space, purchase new space, and invest in real estate development or income-producing real estate
  • Competitive interest rates compared to traditional loan options
  • Choose between term loans or lines of credit with flexible repayment plans

Regardless of your goals, we can help you creatively use your existing assets to reach your goals.

Talk to a business advisor.

Request a Call      Visit branch

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Specialty loan programs tailored to your needs.

  • guy in manufacturing building

    Manufacturing Loan Program

    Whether you’re buying new, or refinancing to save costs, we offer specialized loan options to meet your unique needs as an industrial manufacturer. 

  • nurse and doctor

    Healthcare Loan Program

    Whether you're a start-up Medical or Dental practice, purchasing an existing practice, or looking for financing options for your established practice, we can provide financial tools for your practice to streamline your day to day cash flow.

  • man shaking hands in a meeting

    Professional Line of Credit

    Horizon Bank offers a specialized line of credit designed to assist professionals with their everyday cash flow requirements.

    Instacap® Business Loan

    InstaCap® Loans under $100k.  Options include a 5-year term loan or 3-year line of credit at competitive rates based on business health and personal credit.

    • Apply within minutes
    • Receive an instant loan decision
    • Get funds as fast as the next business day

    SBA Loans

    SBA loans are long-term, small business loans partially guaranteed by the government.  Unlike conventional term loans, an SBA Loan offers business owners the opportunity to take advantage of favorable terms as part of the SBA program, while removing some of the barriers to traditional financing options.

    Agricultural Loans

    Our agricultural lending experts have the knowledge needed to find the best, most sensible solutions for your unique financial needs. 

    • Lines of credit to manage general operating expenses.
    • Short term installment loans to finance the equipment.
    • Real estate loans tailored to your needs.

    Public Funds Checking

    Public Funds Interest Checking is optimal for public entities that maintain higher balances and want to earn competitive interest rates, based on the daily collected balance.

     

    • No minimum balance
    • No monthly service charge
    • Interest-bearing
    • Unlimited debit and credit transactions
    • Free eStatement
    • Free Debit Card
    • 15 free basic Bill Pay items
    Business Loan Advisor Consulting on Government Loan Programs

    Talk to a business advisor.

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