Financing that grows with your business.
From term loans to SBA financing, Horizon Bank offers the lending solutions Nebraska businesses need — with local decision-making and a team that knows your name.
Local Decisions
No distant committees
Fast Turnaround
Quick approvals
Personal Service
Know your banker
Competitive Rates
Tailored to you
Lending solutions for every stage of business.
Business Term Loans
Predictable payments for planned growthFixed-rate financing for equipment purchases, business expansion, or major capital investments. Enjoy predictable monthly payments and competitive rates tailored to your business needs.
- Fixed interest rates for payment predictability
- Flexible terms from 1 to 15 years with flexible amortization schedules
- Finance equipment, vehicles, or expansion projects
- Quick local decision-making process
- No prepayment penalties on most loans
Businesses looking to purchase equipment, expand facilities, or make significant capital investments with a structured repayment plan.
Business Lines of Credit
Flexible capital when you need itRevolving credit that gives you access to funds whenever your business needs them. Draw on your line for working capital, seasonal inventory, or unexpected opportunities — and only pay interest on what you use.
- Draw funds as needed, repay and reuse
- Interest charged only on outstanding balance
- Ideal for managing cash flow fluctuations
- Quick access to funds when opportunities arise
- Annual review with potential for increased limits
Businesses with seasonal revenue cycles, growing companies that need flexible working capital, or any business wanting a financial safety net.
Commercial Real Estate Loans
Invest in your business's futureFinancing for purchasing, constructing, refinancing, or improving commercial properties. Whether you're buying your first storefront or expanding your portfolio, our experienced team will structure the right loan for your situation.
- Competitive fixed and variable rate options
- Financing for purchase, refinance, or improvement
- Owner-occupied and investment property loans
- Flexible amortization schedules up to 25 years
- Local appraisal and underwriting process
Business owners purchasing commercial property, investors acquiring income-producing real estate, or companies refinancing existing commercial mortgages.
Interim Construction Loans
Build with confidenceShort-term financing designed to cover construction costs before permanent financing is secured. Our construction lending team works closely with you and your contractor to ensure smooth draw schedules and timely project completion.
- Interest-only payments during construction
- Flexible draw schedules aligned with project milestones
- Seamless conversion to permanent financing
- Experienced construction lending team
- Financing for new builds and major renovations
Businesses building new commercial facilities, developers constructing multi-unit properties, or companies undertaking major renovation projects.
SBA Loans
Government-backed, locally managedSmall Business Administration loans offer favorable terms for qualifying businesses, including lower down payments and longer repayment periods. As an experienced SBA lender, we'll guide you through every step of the application process. Learn more at the Small Business Administration (sba.gov).
- Lower down payment requirements
- Longer repayment terms for improved cash flow
- SBA 7(a) and 504 loan programs available
- Expert guidance through the application process
- Ideal for startups and growing businesses
Small businesses that may not qualify for conventional financing, startups with strong business plans, or companies seeking longer terms and lower down payments.
Our lending process is simple.
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1
Initial Consultation
Meet with a Horizon Bank business lender to discuss your goals, timeline, and financing needs. We'll help you understand your options.
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2
Application & Review
Submit your application with supporting documents. Our local team reviews everything in-house — no waiting on distant committees.
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3
Local Decision
Lending decisions are made right here in Nebraska by people who understand your market and your business.
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4
Funding & Support
Once approved, we move quickly to get funds in your hands. And we're here for ongoing support as your business grows.
Let's talk about your business goals.
Our experienced lending team is ready to help you find the right financing solution. Visit any of our five locations across four Nebraska communities or give us a call.
Equal Housing Lender. Horizon Bank is a Member FDIC and Equal Housing Lender. NMLS# 473217. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.
APR Disclosure: Annual Percentage Rate (APR) is accurate as of the date of inquiry. APR may vary based on loan amount, term, credit history, and other factors. Contact a Horizon Bank lender for current rates and personalized quotes.
SBA Loans: SBA loans are subject to SBA eligibility requirements. Horizon Bank is an SBA Preferred Lender. SBA loan programs, terms, and conditions are subject to change.
This is not a commitment to lend. All applications are subject to underwriting approval. Additional terms and conditions may apply. See a Horizon Bank representative for full details.