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Commercial Loans

You don’t just want to maintain your business—you want to improve it. ACIB Group's vast array of commercial loan options give you the resources necessary to make sure your business stays ahead of the curve.


Business Loans
Most businesses need to borrow money for working capital, new equipment, or other operational needs. You'll find we not only offer you a variety of lending programs, but expert advice on structuring your lending needs. Contact Us or please call or visit your local ACIB Office to secure a loan individually tailored to meet your business needs.


Lines of Credit

Best Fit: For those looking for flexibility for the short- and long-term

  •  Allows businesses to establish a line of credit to provide them funds they need for predictable cash shortage situations.


Term Loans

Best Fit: For businesses with a large one-time purchase or series of purchases

  •  Allows businesses to evenly distribute payments on major purchases, with life of the asset being purchased helping to determine the amount of loan and period of repayment.


Commercial Real Estate Loans/Capital Improvement Financing

Best Fit: For businesses with long-term borrowing needs

  •  Commercial Real Estate Loans are for businesses buying buildings or property

  • Capital Improvement Financing funds major improvements or expansion of an existing facility



Agricultural Loans

Best Fit: For agri-business owners

  •  Provides financing for every aspect of the industry from land, to buildings and machinery, to crops, poultry and livestock



Preferred Small Business Administration (SBA) Lender

Best Fit: Those thinking about starting or expanding your business.

  • As a Preferred Lender, through the Small Business Administration (SBA), ACIB Group has the ability to integrate government-guaranteed or other economic directed loan programs into your commercial financing. This can assist your business in reaching its full potential by taking advantage of features which may include extended maturities, flexible underwriting, or minimized cash injection (dependent upon the type of loan you qualify for).

  Types of Government financing include:

  • SBA 7a Loans (to finance a business purchase or expand your current operation)

  • SBA Express Loans (smaller term loans or lines of credit)

  • SBA 504 Loans (offering fixed asset financing)

  • USDA Loans

Our knowledgeable SBA experts are committed to providing quick turnaround and being a resource for you to turn to whether you have questions about starting your own business or what you might need to take your business to the next level. To contact one of our SBA experts, click here or call 44 701-703-6854.


For a wealth of helpful information on starting and growing your business, visit the Small Business Administration’s website at www.sba.gov.

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