Credit & Lending

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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.

Loans

We are ready to help you reach your business goals with our suite of loan products.
Our term loans for small businesses are up to $50,000 and have two tiers — one application only, and the second an application plus tax returns of the business and business owner(s).
 

Lines of Credit

We offer a Revolving Line of Credit of up to $50,000 to help with cash flow issues like those caused from a period of lower profits, slower cash collections or increased expenses. There are two tiers — one application only, and the second an application plus tax returns of the business and business owner(s).

Overdraft Protection

Protect your business and credit with our Business Overdraft Protection (ODP) service. It provides a convenient safety net when a business account balance unexpectedly drops below zero. ODP protects, up to $5,000, from penalties related to drawing from an account with insufficient funds. This is an application-only process.

SBA Lending - Business

Wintrust works with the U.S. Small Business Administration (SBA) to offer government sponsored loans. If you are starting or buying a business, expanding your current business or buying real estate for your business, talk to one of our experienced bankers and see how Wintrust and the SBA can work for you.

  • SBA Express Loans: amounts range between $50,000 and $350,000 and provide working capital or extra funds for equipment and real estate purchases.
  • SBA 7(a) Loans: amounts range between $350,001 and $5 million and can assist with equipment or real estate purchases, partner buyouts and additional working capital.
  • SBA 504 Loans: generally used for real estate or equipment purchases, can provide a lower down payment.

Benefits of SBA loans include lower down payment requirements and longer amortization schedules.
 

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