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As a business owner, you have to worry about making it through the ups and downs.  Times when expenses are exceeding receivables or when you need extra capital for equipment or property.  You need a champion who knows the pitfalls and problems of small business.  Wintrust is a local business committed to local businesses like yours.  We are right here in your community, where our decisions are made.  We know what you need and what you go through every day. We offer Business Loans and Lines of Credit that can help your business.

Easy Access Line of Credit¹

A Revolving Line of Credit offers up to $75,000 to help with cash flow issues like those caused from a period of slower cash collections or increased expenses.

Up to a maxinmum of $75,000 available to help with cash flow issues

For loans up to and including $10,000 - requires application

For loans from $10,000.01 to $75,000 - requires application plus additional documents2

Ready to apply? Click here to download the application

1. Requires the company’s primary checking account be with the Bank. Rates are subject to change. Loan and renewal fees may apply. Subject to underwriting guidelines. See a personal banker for more details. 2. Additional documents: tax returns of business and business owners and one month current bank statement.

Easy Access Installment Loan¹

Our Term Loans provide a solution for longer term financing such as equipment upgrades, replacements or additions. Our term loans are up to $75,000.

Up to a maximum of $75,000 available to help with longer-term financing

For loans up to and including $10,000 - requires application

For loans from $10,000.01 to $75,000 - requires application plus addition documents2

Ready to apply? Click here to download the application

1. Requires company’s primary checking account to be with the Bank. Rates for loan amounts above $10,000 may be subject to change. Loan fees may apply. Subject to underwriting guidelines. See a personal banker for details. 2. Additional documents: tax returns of business and business owners and one month current bank statement.
 

Business Overdraft Protection (ODP)¹

ODP provides a convenient safety net when a business account balance unexpectedly drops below zero. ODP protects, up to $10,000, from penalties related to drawing from an account with insufficient funds. This is an application-only process.

Ready to apply? Click here to download the application

1. Requires the company's primary checking account be with the Bank. Subject to underwriting guidelines. See a personal banker for more details.

SBA Express Loans

Loans are offered in amounts between $50,000 and $350,000. SBA Express loans include lower down payments on fixed assets and longer amortization on business expansion loans. SBA fees can be financed and can include an accelerated process.

SBA 7A Loans

Loan is offered in amounts up to $5,000,000. SBA 7A loans include longer amortizations on existing and business expansion debt including working capital and business acquisitions. Most businesses are eligible for SBA financing and SBA fees can be financed.

SBA 504 Loans

Loans are offered for equipment and real estate purchases in amounts up to $9,000,000. SBA 504 loans can include lower down payments with construction financing available. SBA fees can be financed and provide longer term fixed-rate financing on a portion of the debt.

Credit Cards

We offer a variety of MasterCard® Business Credit Cards1 designed to meet your company’s specific needs. They provide superior services and benefits to give your business an edge in streamline accounting and purchasing power.

1. Credit Cards are offered and approved by First Bancard, a division of First National Bank of Omaha.



Business Edition MasterCard

  • Competitive, low rate
  • No annual fee
  • Separate business and personal expenses
  • Online access to view transactions and pay your bill
  • View up to seven years of prior statements
  • Option to purchase security and extended protection program
  • Lost luggage and travel accident insurance when you charge the full amount of your travel tickets to your card

Business Edition® MasterCard® with Maximum Rewards

  • Earn one point for every dollar in qualifying purchases
  • Redeem points toward statement credits, gift certificates, merchandise, travel and more
  • No annual fee
  • Competitive, low rate
  • Separate business and personal expenses
  • Online access to view transactions and pay your bill
  • View up to seven years of prior statements

Purchasing Edition® Card

  • Easily manage company and employee spending while eliminating paperwork
  • Streamline repetitive purchasing activities
  • Integrate transaction data into the general ledger
  • Identify vendor spending to help with negotiations — utilize online reporting to identify spending trends by merchant