Commercial & Industrial Loans


Your business has grown. Your financing needs have, too. Whether you're managing working capital, purchasing equipment, financing inventory, or preparing for your next acquisition, Academy Bank offers commercial and industrial loans (C&I loans) structured around your company's operational needs and long-term objectives.
 
Academy Bank is a family-owned, privately held bank. Members of our founding family serve on our executive team and participate in lending decisions daily. This gives our commercial lending team direct access to key decision-makers and the ability to focus on building lasting relationships with the businesses we serve.

Commercial & Industrial Loans Built Around Your Business

No two companies operate exactly alike, and their commercial financing shouldn't either.
 
Academy Bank works with established businesses to develop customized commercial loan structures that support both immediate operational needs and long-term growth opportunities. From everyday capital requirements to more complex corporate finance needs, we take the time to understand your business, your industry, and where you're headed.
 
Our commercial lenders consider your company's cash flow, existing obligations, industry, collateral, and financial objectives when evaluating financing options.

Working Capital Loan

A commercial loan can provide access to capital to help businesses:
  • Manage fluctuations in cash flow
  • Cover payroll and operating expenses
  • Purchase materials ahead of seasonal demand
  • Bridge the gap between paying suppliers and collecting customer payments
  • Maintain liquidity while pursuing growth opportunities

Inventory Financing

Inventory financing can help your company:
  • Support accounts receivable cycles
  • Purchase raw materials or finished inventory
  • Prepare for larger customer orders
  • Manage supplier payment schedules
  • Fund production while awaiting customer payments

Equipment Financing

Business equipment financing may help your company:

  • Purchase manufacturing and production machinery
  • Replace outdated equipment
  • Acquire commercial vehicles and specialized equipment
  • Increase operational capacity
  • Invest in technology and automation
  • Support new product lines or service capabilities

Acquisition Financing and Expansion Loans

Business acquisition loans and expansion loans may be used to support:

  • Business acquisitions
  • Business growth into additional markets
  • Increased production capacity
  • New business divisions or service offerings
  • Additional staffing and operational resources
  • Capital investments associated with long-term growth

Business Debt Consolidation

Refinancing existing commercial debt can provide opportunities for a business to:

  • Reassess repayment schedules
  • Consolidate eligible obligations
  • Restructure financing around operating needs
  • Refinance to support long-term capital strategy





More Than Commercial Loans: Supporting Your Company's Financial Operations

By bringing your commercial financing and business banking needs together, you can work with a team that understands the broader financial picture of your organization. Explore our other business and corporate banking services:

Talk to a Commercial Lender about Your Business Needs

 Whether you're managing working capital, investing in new equipment, refinancing existing debt, or planning your next acquisition, Academy Bank is ready to discuss your commercial financing needs. 

Connect with our commercial lending team to explore customized financing solutions and build a banking relationship focused on your company's long-term goals.

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Why Choose Academy Bank for Commercial Lending?

 
Family-Owned • Privately Held • Relationship-Focused • Customized Commercial Loan Structures • Direct Access to Decisionmakers • Local Industry & Collateral Expertise • A Long-Term Commercial Banking Relationship 

Let's Talk About What's Next for Your Business

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* All loans and lines of credit are subject to credit approval. Origination and annual fees may apply. Terms, conditions, and loan product eligibility applies.