Investors Community Bank - Business Solutions

Business Solutions

Staffed with highly experienced banking professionals, ICB offers financial solutions to meet all of your financing and cash management needs. From portfolio lending to long-term fixed rate loans, we pride ourselves on our ability to match your goals with the appropriate financing structure. Our flexible loan terms and lines of credit are designed for your business capital and cash flow requirements.

In addition to offering a full range of financing options, ICB offers cash management solutions to compliment our lending services. Whether you or your business have cash flow fluctuations or investment needs, ICB consistently offers market leading deposit rates and affordable cash management services.

Established with our business customers in mind, ICB focuses its efforts on meeting the needs of the Wisconsin entrepreneur and the real estate developer/investor. We feel we can offer maximum flexibility and premium service for you and your business with our independent, locally owned and operated bank.

Thinking about switching your accounts to ICB? We make it easy! Click HERE to download an ICB Business Banking Switch Kit!*(1)
(This file is a Microsoft Word DOC, 136 KB)

Lending Services
Conventional Financing
SBA, USDA Rural Development and WHEDA Financing
WI Department of Commerce and Local Government Programs
Capital Markets Financing

Cash Management Services
Courier Service
Sweep Accounts
Cash Flow Budget Worksheet
Credit Reference Form
Individual Financial Statement

Business Depository Accounts

Conventional Financing
Whether you are a business owner or real estate investor, ICB offers a full array of products and services to meet your needs.

Committed to Wisconsin's entrepreneur, ICB recognizes the advantage to providing a quick response to your financing needs. Locally owned and managed, our lenders are experienced and trained to offer a tailored financial solution.

Traditional term loans, lines of credit, construction loans, bridge loans, letter of credit, Industrial Revenue Bonds and term financing are all available.

Our Lenders will take the time to understand your personal and financial goals. This personal attention from knowledgable decision makers will assure you receive the most suitable financial solution.

SBA, USDA Rural Development and WHEDA Financing
In addition to traditional financing options, ICB prodes itself on its knowledge and proficiency in which it utilizes the many governmanet sponsored financing programs. Whether Federal, state or locally sponsored, ICB is dedicated to offering creative financing structures that allow you and your business to get the most favorable terms.

SBA
ICB is a Perferred Lender with the SBA and we offer US Small Business Administration loans. Both SBA 7a Guarantees (Loans up to $2 Million for Equipment or Real Estate Acquisition, construction or refinance) and SBA 504 Loans with the assistance of a local Certified Development Corporation (Project size upwards of $2 Million under the 504 program for Real Estate or Equipment acquisition or expansion). As a PLP (Preferred Lender Program) approved lender, ICB is able to offer faster turnaround and greater servicing flexibility. SBA grants PLP status to banks that meet stringent criteria and have a proven track record. You can visit the SBA website by clicking here or by clicking the SBA logo above.

We also offer U.S. Department of Agriculture Rural Development Business and Industry (B&I) loans for real estate purchases and/or improvements, equipment purchases, business acquisitions, working capital and/or debt refinance. With this program, we can provide guaranteed loans up to $25 Million. To qualify for this type of funding, the business has to have its primary location in a community of less than 50,000 in population. You can visit the Rural Development part of the USDA website by clicking here or by clicking the USDA logo above.

Another government guaranteed program that is available through Investors Community Bank is the WHEDA or Wisconsin Housing and Economic Development Authority guarantee program. This program has more narrow uses based on the industry and the area the business is located in. You can visit the WHEDA website by clicking here or by clicking the WHEDA logo above.

With the SBA and Rural Development loans, there is also the opportunity to lock into long term fixed rate funding sources. We can obtain five to twenty year fixed rate funding under both of these programs.

WI Department of Commerce and Local Government Programs
For many small businesses, government assistance can make the difference in getting the money they need to start, continue, or grow their business. Through the many Wisconsin Department of Commerce and local government programs, ICB is able to utilize more options to create a powerful financial business plan that suits all the needs of today's business owner.

If you are interested in any of these programs, please contact one our professionals in our business banking department today at (920) 686-9998. We will be happy to discuss your business banking needs with you.

Capital Markets Financing
Consistent with our focus on offering the best financing solution for our customers, ICB offers CMBS or "conduit financing" on commercial real estate transactions. Like the SBA and Rural Development loans, conduit loans allow our customers to obtain longer fixed rate terms than traditional portfolio loans offered by banks. Click here to learn more about our Conduit Financing / Commercial Mortgage Backed Securities (CMBS) services.

Courier Service
We offer a courier service for you and your business deposit pickup needs. We will provide a courier to your business location to pickup your deposits. We are currently offering this service in the local markets of Manitowoc and Two Rivers on a daily basis, and outlying areas of Valders, Newton and Mishicot a few times a week. Please call Jason, (920) 686-5635, at Investors Community Bank for more information.

Sweep Accounts
One of the services we offer is a sweep account. A sweep account is a cash management account linked to your business checking account and your line of credit. When your checking account reaches a certain balance, the extra funds can be transferred automatically to your Line of Credit to minimize interest. When your business checking is going to fall below a certain balance, funds can be transferred automatically from your line of credit. This keeps your money working for you all the time.

Cash Flow Budget Spreadsheet (MS Excel)
Click HERE*(1) to use a Cash Flow Budget Spreadsheet provided by the SBA.
(It was created in MS Excel, so you will need the program in order to use the spreadsheet.)

Credit Reference Form (Adobe Acrobat PDF)