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Small Business Loans and Lines of Credit

Whether you need to finance growth, cover timing gaps in cash flow, purchase equipment, or simplify your vendor payments, Midwest BankCentre offers a number of options to finance the various needs of your business.

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We can provide you with a variety of interest rate options, repayment terms and credit amounts. Our goal is to understand your needs and to customize a credit product to fit your business requirements.

We offer credit products such as:

Lines of Credit

A line of credit is a revolving credit facility that allows you to borrow, up to your credit limit, as you need short-term funds and to pay it back as funds become available. This can happen as frequently as needed. Lines are generally secured by accounts receivable and inventory. A line of credit allows you to manage the cash in-flow and out-flow of your business, handle seasonal inventory accumulation and provide a ready source of liquidity.

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Term Loans

Term loans are used to finance other acquisitions of a specific asset, such as a piece of equipment or a building. A term loan is meant to be longer term in nature and operates much the same as a home mortgage. Once you have borrowed the funds and acquired the asset, your loan is set up on a fixed repayment schedule. Interest rates on term loans are either fixed for up to five years or variable. Typically, term loans are secured by a fixed asset.

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SBA Financing

Small Business Administration (SBA) loans are available to finance short-term working capital needs like a line of credit or longer-term fixed loans. SBA loans can allow businesses to obtain financing that they may not have been able to secure on a conventional basis. The SBA offers programs that allow customers to have low down payments and longer fixed rates.

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Credit Cards

Midwest BankCentre has options when it comes to credit cards. We offer different cards to meet the unique needs of your business. CLICK HERE to learn more.

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Get Started!
To speak with a business banker about your current small business needs, call (314) 631-5500 or (800) 894-1350 or

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Find Out How Our Team Can Help You With Your Business Banking Needs