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Lending Services

As a business owner, you are always looking for new opportunities to expand and grow your business. Johnson Bank has the flexible financing options for everything from acquiring a business to purchasing a new building, equipment or funding seasonal working capital. Whatever stage your business is in, the specialist teams at Johnson Bank can help you choose the correct business loans, leasing options or real estate financing to fit your needs.

Commercial Loans

Commercial Line of Credit

A commercial line of credit is a cost‐effective approach if your business needs on‐going credit to fund seasonal working capital and accounts receivables, or to manage inventory. With a commercial line of credit, your business can handle unexpected cash needs and take advantage of vendor discounts by having access to cash when you need it. Johnson Bank offers:

Revolving line of credit Allows your business to borrow, repay, and borrow again up to the original amount committed by Johnson Bank, throughout the life of the loan.
Non-revolving line of credit Allows your business to borrow an amount either in a lump sum or an amount disbursed over a period of time. Each time you make a payment, credit availability reduces by that paid amount.
Benefits
  • Flexible revolving credit lines, with annual renewals,* secured by general business assets.
  • Quick, easy access to funds online through Business Gateway®, by phone, or in a branch.
  • Advances are simple and convenient. We offer automated line sweeps to draw from.
  • Competitive variable rates of interest.
  • Pay no interest until you draw funds.

*Multi‐year lines of credit are available at an additional cost, subject to underwriting.

Letters of Credit

Letters of credit are widely used as a method of payment for imports or exports and are used domestically to facilitate trade without the risk of open account or cash‐in‐advance transactions. Letters of credit are also employed in support of bond financing. Johnson Bank offers:

Term Loans

Johnson Bank offers a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership or consolidate debt. Our expert lenders will structure this new financing vehicle in accord with existing debt obligations and your historical and projected cash flows.

Benefits

Commercial Real Estate Financing

Successful commercial real estate firms need a reliable banking partner with a solid capital base that can promptly deliver quality solutions through fluctuating economic cycles. At Johnson Bank, we have the capabilities and stability you need to successfully execute on your next big opportunity.

Our commercial real estate teams in Madison, Milwaukee, Minneapolis and Phoenix offer the local expertise necessary to address the unique demands of private developers and investors based in the upper midwest and Arizona. Our banking model allows us to respond quickly and efficiently to your requests.

We offer flexible financing programs for office, industrial, retail and apartment buildings:

Acquisition Financing Construction & Rehab Loans Refinance Loans Interim‐Bridge Financing
Term Loans Lines of Credit Letters of Credit Interest Rate Hedging

Going beyond loans, our team takes an integrated approach to build long‐term relationships and ensure all your banking needs are being met including Treasury Management Services, Commercial Insurance, Trust and personal Wealth Management solutions through Private Banking.

Equipment Leasing

The experienced equipment leasing specialists at Johnson Bank will work to understand your business and your short and long‐term goals. By leasing your company's equipment, you can take advantage of the latest advances in technology for highest productivity, without tying up your valuable cash and credit resources. You will have your equipment in service generating cash flow before your first lease payment. We offer a wide range of leasing solutions that can help resolve your company's operating constraints.

Operating Lease Benefits
An operating lease is particularly attractive to companies that want to manage their balance sheet debt‐ratios, or want to use equipment for the lease period and return it at lease‐end with no further obligations. An operating lease will also help you avoid a commitment to dated technology.
  • Low payments
  • Typically qualifies for off‐balance sheet financial classification
  • Improved Return On Asset (ROA) performance due to a lower asset base
  • May require no down payment (100% financing)
  • Higher reported earnings in the early years of the lease
  • Access to the latest technology with lowest possible monthly cash outflow
Financing Lease Benefits
A financing lease is a full‐payout, non‐cancellable agreement in which the lessee is responsible for maintenance, taxes and insurance. Finance leases are most attractive in cases where the lessee wants the tax benefits of ownership or expects to own the equipment at lease maturity.
  • Flexibility of a lease with a fixed purchase option as low as $1.00
  • Fixed‐rate, long term financing
  • More flexible financing than traditional bank term‐loan financing
  • All the tax benefits of equipment ownership
  • May require no down payment (100% financing)
True Lease Benefits
Similar to an operating lease, a true lease means you will have the full use of the equipment without the financial risk of legal ownership. A true lease allows you to expense the monthly payments for tax purposes, and may help you reduce your overall income tax liability. Additionally, if the equipment you need is subject to rapid advancements in technology, such as computers, the true lease could be the best option.
  • Lower monthly payments
  • Flexibility of a lease with a fair market value purchase option
  • Fixed‐rate financing of full acquisition coat
  • Longer‐term financing
  • Potential tax and balance sheet benefits
Terminal Rental Adjustment Clause (TRAC) Lease Benefits
A TRAC lease is a true lease designed to finance licensed, titled motor vehicles (over‐the‐road tractors, trailers, trucks and buses) used for business. The TRAC is a stated amount in the lease agreement representing the estimated value of the equipment at the end of the lease. At lease‐end, the vehicles can be purchased for the TRAC amount or sold to a third party. If the lease‐end resale price is more or less than the TRAC value, you receive the excess or pay the difference.
  • All the benefits of an operating/tax lease plus the added benefit of a pre‐established purchase option
  • Enables you to share in any gain from the sale of equipment
  • Lower monthly payments
  • This type of lease is generally less expensive than other leases or conventional bank financing
  • Potential tax benefits
Municipal Lease Benefits
Municipal leasing allows municipalities or political sub‐divisions, including: School Districts, Police and Fire Departments, State and County Governments and other tax‐exempt government entities, to acquire essential equipment quickly and conveniently without the need for expensive and time‐consuming bond issues.
  • Flexibility to match payments to budgeted cash flows
  • Documentation is streamlined and much simpler than bond issuances
  • Issuance costs are substantially lower than issuing general bond obligations
  • Working capital is preserved for better uses of your cash resources
  • Equity builds with each payment
  • Ownership at lease maturity
Vendor Leasing Benefits
Vendor leasing is a contract or working relationship between Johnson Bank and an equipment manufacturer or vendor. It provides the vendor with the ability to offer customer financing, which stimulates sales and expedites the sales process.
  • Appreciated, value‐added service for vendor's clients
  • Removes capital constraints from buying decision
  • Eliminates sale delays as potential customers seek appropriate financing
  • Takes focus off of purchase price and matches productivity to monthly expense
  • Provides vendor's customers with all the benefits of a standard commercial lease
  • Customized financing structures available

Small Business Loans

As a small business owner, you aspire to expand your business, acquire new equipment or purchase a larger building. At Johnson Bank, we have the flexible financing options to help you make your dreams a reality.

Small Business Line of Credit Benefits
A line of credit is ideal for small businesses that need quick and easy access to cash over short periods of time to help purchase inventory or manage seasonal cash flow fluctuations.
  • Access to working capital and cash when you need it
  • Competitive variable rate
  • Can be used for overdraft protection
Term Loans Benefits
We offer a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership, or consolidate debt. Our expert lenders will structure the loan by evaluating your existing debt obligations and assessing your cash flow.
  • Acquire machinery, equipment or other assets with fixed monthly payments
  • Increase your working capital to help you grow your business
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently
Small Business Administration Financing Benefits
Small Business Administration (SBA) loans can be used to start or acquire a business, purchase equipment, and refinance or acquire inventory or working capital. We will partner with you to understand your business, and your short and long‐term goals, to determine if a SBA loan is right for you. We provide financing for Standard SBA 7A, SBA Express and SBA 504 Programs.
  • Long-term financing
  • Improved cash flow
  • Lower down payments
  • Competitive interest rate
  • Flexible terms and conditions

Resources

  • articlesStreamline your receivables with lockbox services

    Rising labor expenses, increases in borrowing costs and improvements in automation combine to make lockbox collection services a more attractive payment processing solution than ever. Companies that haven't used lockbox services may want to consider

  • articlesSpring Economic Forums

    Recently, Johnson Financial Group hosted a series of Economic Forums throughout Wisconsin. The Forums featured Johnson Financial Group's Chief Investment Officer, Brian Andrew, who discussed how the proposed fiscal policies regarding government spending,

  • articlesIs your business ready for a purchasing card program?

    Have you ever considered a purchasing card program for your business? “A purchasing card program can be beneficial for a large business with sophisticated reporting needs, businesses with a large volume of low‐dollar purchases and any company

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