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Lending Services

Ameriana Bank has the resources to meet your borrowing needs. We're proud to act as your partner, delivering custom, comprehensive financing solutions for every phase of business growth.

Lines of Credit

We can customize an Ameriana line of credit to meet the unique needs of your business.

Revolving Lines Of Credit

Available as short-term working capital, revolving lines of credit are usually secured by business assets or other collateral. Terms are negotiable.

Seasonal Operating Lines

Available for extra liquidity in peak seasons, seasonal operating lines can help fund inventory and account receivable build-ups during certain times of the year. They can also be used when converting current assets to cash is slower than normal. Businesses usually maintain a zero balance for a certain number of days each year to ensure the line doesn't become permanent working capital.

Guidance Line of Credit

For use to acquire equipment, a guidance line of credit usually includes an aggregate limit and does not exceed one year. Each funding of machinery has an individual promissory note with a fixed interest rate and monthly payments not to exceed 60 months.

Contact us to discuss your line-of-credit needs.

Term Loans

When the need arises for purchasing equipment, business acquisition, or expansion, a term loan may be the appropriate option.

  • Customize a loan to meet your goals and needs
  • Choose a repayment schedule that works for your business
  • Enjoy the convenience of automatic debit

Contact us today for a consultation at your office or at the Ameriana location nearest you.

SBA loans

Getting the right Small Business Administration loan for your needs can make all the difference. Let us guide you through the application process for one of the following:

Ameriana Government Guaranteed 7A Loans

Generally used to expand a business, these loans are for working capital and for the purchase of inventory, equipment and other assets.

SBA Express Loans

Express loans are made in amounts less than $350,000 and can be structured as either a loan or line of credit.

504 Development Loans

Made for longer-term real estate purchases, leasehold improvements or equipment, 504 Development Loans usually require smaller down payments than conventional real estate loans.

Contact us today for a consultation at your office or at the Ameriana location nearest you.

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