Business Services

We trust peoples

All the employees are more like friends, very helpful and nice.

James P., Owaneco

I have always felt welcome. All the staff are great to work with.

Donald B., Taylorville

Everything is outstanding. Keep up the good work.

Shirley M., Charleston

We have banked here for many years. Look forward to many more.

Robert R., Pana

The staff is personable, friendly and offers great service.

Betty O., Springfield

The PBT team are the best employees to do business with. We are so thankful for all the outstanding professional service the provide.

Russell R., Herrick

Your service is quite remarkable. It's the main reason I stay with and will remain with you.

Lenora P., Monticello

Contact Us Today

Get in touch with us today so we can help you reach your financial goals.

Contact Us Today
Request an Appointment

Request an appointment at one of our branches to meet with a team member today!

Request Appointment
Branch Locations

Business Loans

Business owners have multiple loan options that are available based on the needs of their company goals.  Whether needing to supplement cash flow, redevelop or improve existing conditions, or looking to purchase new or additional locations, the opportunities are open with the help of your Business Banker at Peoples Bank & Trust.  Product features such as variable or commitment rates, simple interest and more, we’ll work to find a product tailored to the needs of your particular business and its plans. Call a Business Banker today to start exploring our loan options listed below:

 

Operating Lines of Credit Loans
  • Line of Credit for the financing of seasonal cash flow needs
  • Provide flexible borrowing for short term needs
  • Interest is paid only on the funds used

 

Capital Asset Loans
  • These loans are used to finance permanent assets such as equipment, machinery, trucks, etc.
  • Repayment terms consistent with the useful life of the assets financed.

 

Construction/Real Estate Loan
  • Used to expand or remodel existing facilities
  • Purchase or construction of new property (owner occupied or rental)

 

SBA/USDA - B & I and RD Government Loan Programs
  • Small Business Administration (SBA) loan programs: Provides financing to new or expanding businesses with attractive rates and terms. Peoples Bank & Trust has an Express & Export Express Lender Status with SBA.
  • USDA Business & Industry loan programs:  Provides lending opportunities for start-up or undercapitalized companies with extending repayment terms.
  • USDA FSA Programs: Provides broader lending opportunities for production, equipment and real estate credit. Peoples Bank & Trust is one of 11 USDA-AFSA preferred lenders headquartered in Illinois.

 

Peoples Bank & Trust Business Bankers has significant experience working with these programs.

We are a locally owned and managed community bank. Decisions, products and services are tailored to meet your business and personal needs. You are assured prompt and confidential service.