• Lines of Credit
• Terms Loans
• Letters of Credit
• Commercial Real Estate Loans
• Commercial Mortgage
• Construction Loans
• Contact a Commercial Banker
• Personal Financial Statement (PDF)

National Bank of Commerce has a seasoned team of commercial lenders dedicated to responsive customer service. We take great pride in providing the right financial solutions to local businesses. These solutions run the gamut from lines of credit to construction loans.  As a community bank, our lending decisions can be made within hours rather than days and weeks. In fact, we can bring the decision maker out to your place of business. While financial ratios are important considerations, the most important factor in the decision is the strength of the company’s management. Our bank also takes time to understand the dynamics of the community served by both your business and ours.

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Are you missing out on opportunities to take advantage of inventory discounts? Are your receivables building at the same time your payables are coming due? A revolving line of credit from National Bank of Commerce will enable you to smooth out your cash flows so that you have funds available when you need them. Lines of credit can be either revolving or non-revolving.

Investors often have a short time frame in which to fund a real estate purchase. Bargain opportunities are available when funds are readily accessible. The best way to make those funds available is with a line of credit secured by income producing property. There are many options available.

Are you foregoing a new equipment purchase that could help you reduce production costs? How well do your monthly payment obligations match up with your company’s cash flow? Are you paying a fair rate? Our experienced lenders know equipment and can tailor a term loan with monthly payments that will fit comfortably into your cash flow.  Term loans are used to finance the purchase of equipment, furniture or vehicles. Payments are generally fixed based a flexible amortization schedule.   

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Do your overseas suppliers require documentary letters of credit guaranteeing payment prior to shipment of goods? Does a local municipality require a standby letter of credit to ensure completion of a job? There are a wide variety of documentary and stand-by letters of credit required to transact business domestically and internationally. National Bank of Commerce has the expertise to assist you with your letter of credit needs.

Have you been renting your business space and dreaming of using that rent payment to build equity in your own building? Has your business outgrown your current facility? Are you looking to build additional income by acquiring investment real estate?

A key strength of National Bank of Commerce is our commercial real estate lending. We take time to learn the dynamics of the local real estate market.  Commercial mortgages are available for the purposes of acquisition, refinancing existing balances and construction.

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Are you paying a fair rate on your current mortgage? Perhaps you can acquire a bigger building with the same monthly payment. National Bank of Commerce has provided mortgages throughout the Chicago-land area for a wide variety of projects, ranging from industrial condominiums to multi-tenant apartment buildings. 

To build a new facility or rehab a historic apartment building involves a construction loan. A commercial construction loan provides funding on a draw basis to build or rehab a structure. The right construction loan will ensure that funds are available to pay your subcontractors on a timely basis. Let us help you make your plans a reality.

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A National Bank of Commerce Commercial Banker will be pleased to help you determine which option is right for your business. For more information, please e-mail us at loaninquiry@natlbankofcommerce.com. Alternatively, please call us at either (708)544-5500 (Berkeley) or (630)285-5500 (Addison) and ask for the commercial banking department.

CLICK here to view and print a copy of National Bank of Commerce’s personal financial statement in PDF format. You will need Adobe Acrobat or Acrobat Reader to view this file. You may download a copy of the Acrobat Reader free from the following web-site: www.adobe.com/products/acrobat/readstep2.html

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