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Joel Mikolich, President, Equipment Finance Division

Office: (612) 309-6491 Email: JMikolich@HorizonBank.com

Industry Expertise: Tools & Equipment, Transportation, Industrial & Commercial, Construction
Areas Served:  National

Education: U.S. Army Veteran, Bachelor in Organizational Business Management; Concordia University St. Paul.

Community Involvement:  Volunteers to coach youth sports including hockey, baseball, and softball.

Joel Mikolich is a seasoned veteran of the equipment finance industry with 20+ years of experience and a successful track record for leading banks into this strategic line of business.  Throughout his career, Joel has provided innovative financing and developed successful teams that have assisted small and mid-sized companies obtain the funding and capital solutions necessary to fuel their growth.

“I am excited to leverage my industry network and experience to build out a team that shares my passion for providing customer-centric financing solutions that can be supported by the lending capacity of an established financial institution like Horizon Bank,”.
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Benefits of Equipment Financing

How Equipment Financing Supports Your Business

  • Preserve Working Capital – Avoid large upfront equipment purchases and keep cash available for day-to-day operations.

  • Improve Cash Flow – Predictable monthly payments help support budgeting and liquidity.

  • Protect Existing Credit Lines – Preserve traditional lines of credit for other business needs.

  • 100% Financing Available – Finance equipment, accessories, and related costs in one solution.

Connect with Joel

Joel's Equipment Finance Expertise

  • Construction equipment

  • Transportation & trucking

  • Industrial machinery

  • Commercial equipment

  • Tools & equipment financing

  • Small business equipment finance

  • Middle market financing solutions

  • Equipment leasing & capital solutions

Request a Consultation
Business professional and construction worker shaking hands in front of construction equipment at a job site

Equipment vs. Lease

When you're considering whether to purchase or lease equipment for your business, a calculator can help you evaluate the financial impact of each option. It allows you to compare the costs, including initial costs, monthly payments, interest rates, and tax benefits.

Calculate the Difference
Construction worker with a crane at the background