Commercial Real Estate Loans
Finance the purchase, renovation or construction of your manufacturing, office, multi-family or retail space with Solutions Bank. We have expertise in all facets of commercial real estate.
Commercial Construction Loans
Construction of new commercial projects is our specialty. Our team is well versed in commercial construction so you can be confident your financing is being handled by professionals. We offer construction-permanent packages that are both convenient and cost effective.
Upgrading equipment is often necessary for future success. We understand and are happy to help you finance the equipment you need to be successful. We offer competitive term financing for all types of equipment.
Operating Lines of Credit
Annually renewable working capital lines of credit are available to help you smooth out cash flows and keep your business running efficiently.
When making business purchases, why not earn some rewards! The best in business credit cards is just a few clicks away!
If you are considering an equipment lease, either now or in the future, contact us. As your local bank, we can show you how to best structure your goals.
Unlike the past, businesses today can get all their equipment leasing needs met at their local bank. Our leases are relationship based, not transaction based. No longer are there large fees and penalties around each corner.
Leasing through your local bank makes sense. Local banks are at the forefront of providing businesses with capital to grow and expand. Leasing builds on our commitment to provide you with the financial tools you need to succeed.
80% of all businesses use equipment leasing today to acquire equipment, and almost any type of equipment qualifies for a lease. If your business is considering a lease for equipment, talk to our commercial lenders about the common-sense options available.
Start your application today!
The popularity and growth of leasing is in large part due to the wide variety of available lease options. These include:
Only from your community bank - Ag producers have an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter.
Tax Lease vs. Capital Lease
A tax lease is structured to provide the leasing company with equipment ownership, and along with it all depreciation benefits. In return, your lease payments are fully deductible. The documentation for a tax lease is designed to conform to all related guidelines.
A capital lease, also known as a finance lease, is structured to pass all ownership benefits to you including depreciation. Only the interest portion of your lease payment is deductible, along with your depreciation expense. Such leases commonly have a $1.00 purchase option at expiration.
For counsel and guidance, we recommend you discuss your specific situation with your tax advisor to assess which lease best fits your needs.
Why Leasing through Solutions Bank?
Lease servicing is provided through our partnership with BB Community Leasing Services, Inc. - Madison, WI