Financing Built Around Your Business
At Hills Bank, we know that every business has a unique story, distinct goals, and different financing needs. Whether you're expanding operations, purchasing equipment, investing in real estate, managing cash flow, or preparing for future growth, our Commercial Lending team is here to help you move forward with confidence. As a locally owned community bank, we combine responsive decision-making with personalized service to deliver lending solutions tailored to your business.
Local Expertise. Relationship-Based Lending
Business owners deserve more than a transaction - they deserve a trusted banking partner.
When you work with Hills Bank, you'll have direct access to experienced commercial lenders who take the time to understand your business, industry, and future plans. Our local decision-making process helps streamline approvals and keeps conversations focused on what matters most: your success.
Lending Solutions Designed for Growth
Commercial Real Estate Loans
Purchase, construct, refinance, or improve commercial properties with financing structured to support your long-term objectives.
Ideal for:
- Office buildings
- Retail centers
- Industrial facilities
- Warehouses
- Multi-family properties
- Mixed-use developments
Equipment Financing
Acquire the equipment and technology your business needs to improve productivity, enhance operations, and remain competitive.
Finance:
- Manufacturing equipment
- Agricultural equipment
- Vehicles and fleets
- Technology upgrades
- Specialized machinery
Working Capital Lines of Credit
Maintain flexibility and access funds when you need them to manage seasonal fluctuations, inventory purchases, payroll, and operating expenses.
Benefits include:
- Flexible access to capital
- Improved cash flow management
- Quick response to business opportunities
Business Acquisition & Expansion Financing
Whether you're expanding to a new location, acquiring another business, or investing in growth initiatives, our lenders can help structure a financing solution that aligns with your business strategy.
Construction & Development Loans
Bring your vision to life with financing for commercial construction projects, renovations, and developments.
Why Businesses Choose Hills Bank Commercial Loans?
- Local Decision-Making
Commercial lending decisions are made locally by professionals who understand the businesses and communities we serve. - Customized Financing Solutions
Every business is unique. We structure financing solutions tailored to your goals, industry, and growth plans. - Experienced Commercial Bankers
Work with a team that brings deep expertise and practical insights to complex financing needs. - Support for Growth and Expansion
Finance commercial real estate, acquisitions, equipment, construction projects, working capital, and more.
More Than a Loan
A financing relationship with Hills Bank extends beyond a single transaction. We partner with business owners to support both everyday operations and long-term strategic goals.
Our comprehensive business banking services include:
- Treasury Management
- Business Checking & Savings
- Merchant Services
- ACH & Wire Services
- Fraud Prevention Solutions
- Online & Mobile Banking
Together, these solutions can help streamline operations and strengthen your financial position.
What You’ll Need to Apply
A thoughtful financing conversation starts with understanding your business and your goals.
Depending on your financing needs, information may include:
- Financial statements <Link Financial Statement Template>
- Tax returns
- Business plans
- Cash flow projections
- Organizational documents
- Purchase agreements
- Personal financial statements
Our business banking team will guide you through the process and help identify the information needed for your specific request. Additional help can be acquired through the Small Business Development Center (SBDC).
Industries We Serve
Our Commercial Lending team works with businesses across a variety of industries, including:
- Real Estate Development
- Construction
- Professional Services
- Healthcare
- Retail
- Agriculture
- Transportation
- Manufacturing
- Nonprofit Organizations
No matter your industry, we're committed to helping you build a strong financial foundation for the future.
Let's Talk About Your Next Opportunity
Whether you're purchasing a building, upgrading equipment, expanding your operations, or seeking additional working capital, Hills Bank is ready to help. Connect with a Business Banker today to discuss financing solutions tailored to your business goals.