Business Loans

National Bank and Trust maintains a staff of professional loan officers with over 80 years of combined banking experience. As a community bank, we pride ourselves in offering quick and responsive underwriting decisions. Being a partner in your business success, we bring expertise and a consultative approach that looks beyond your financial statement into the most efficient and effective way to fund your business operation and growth.

The first step in applying for a loan with NB&T is to complete a personal financial statement. Click here for an automated Personal Financial Statement form.

Our business loan officers will work with you to help you determine the type of loan that is best for your business's growth and long-term objectives. To find out more, contact us today.

Business Loan Types

  • Equipment Finance
  • Commercial Real Estate
    • Construction Financing
    • Term Financing
  • Loans for Business Operations
    • Business Loans (commercial and small business)
    • Business Line of Credit (commercial and small business)
  • Letter of Credit
  • SBA Guaranteed Loans
    • 504 Program Loans
    • 7A Guaranteed Loans
    • Low Doc Loans
    • Business Link Deposit Program

Agricultural Loans

We specialize in ag loans and provide assistance and understanding for your diverse farming and production needs.

  • Operating Lines
  • Term Loans for Equipment
  • Farm Real Estate Loans
  • USDAFSA Certified Lender
  • AG Link Deposit Program
  • Cash Management

Community Development Loans

We are committed to the communities we serve and offer lending and financial assistance to support economic development for non-profit service providers and affordable housing opportunities.

Business Visa® Account

Visa® credit cards offer an easy way to make large and small purchases or to help manage your business expenses. Click here to learn more.

Remote Deposit Capture

Our Remote Deposit Capture service allows you to submit check deposits to National Bank and Trust utilizing a desktop scanner, computer and the Internet. Click here to learn more.

Personal Loans

Being a successful business owner or operator also includes the best management of your personal finances and personal lending needs. Click here to access our personal loans information.