Let’s face it — business is unpredictable. That’s why it helps to have ongoing, flexible financing.

Key Features

  • Competitive Rates
  • Anytime Funds
  • Fast Decisions
  • Friendly, Local Service
  • Ongoing credit for a variety of business needs 
  • Competitive rates for a wide range of long-term or seasonal business needs: 
    • Seasonal fluctuations 
    • Inventory 
    • Capitalize on trade discounts 
    • Working capital 
    • Ongoing updates 
    • And more 
  • Provides greater financial flexibility
  • Repayment customized based on your business’s unique needs 
  • Funds available right as you need them; apply once then use again as needed thereafter 
  • Revolving credit — as principal is repaid, more becomes available for use 
  • Only pay interest on the part that's used1
  • Funds are easily accessible via check 
  • Local decision-making and processing 
  • Attentive, friendly service from start to finish 

Much like a company credit card, this pre-approved line of credit provides you with a reserve for unexpected expenses or gaps in cash flow. It gives you peace of mind.

Most businesses use a line of credit for short term operating expenses. Our Kerndt Brothers Bank revolving line of credit allows you to borrow money when you need it and pay it back when you can. Effective management of this type of loan is also a great way to build credit.

Sometimes companies run out of money — especially seasonal or cyclical businesses — yet still have many assets. If that describes you, a working capital loan may be the perfect choice.

This loan will help you meet your operating costs until you’re in the black again. Kerndt Brothers Bank will provide flexibility and continuity for all your business needs.

1Consult a tax advisor. 

Building Iowa

since 1856