Loans & Credit

Kish Bank prides itself in having a Business Banker, who focuses on commercial relationships, in each of our regions. These lenders are members of your community and have a vested interest in the success of your business. They take the time to learn how your business operates and how Kish can best help your success and growth. No matter the size of your business, we have loan and credit products to help you operate efficiently. Because all borrowing decisions are made locally, we have the ability to tailor our loan products to meet your unique businesses needs.

Equipment and Term Loans

Do you need to upgrade your existing facility or purchase equipment to help expand your operations? Kish Bank has local lenders that can help you make decisions to meet the financing needs of your business, regardless of its size.

Lines of Credit

Kish Bank's line of credit products range from revolving and commitment lines of credit to lines that can assist with the management of your inventory and accounts receivable.

Commercial Real Estate

Ensuring that you have a facility that is conducive to your line of business and your customers' expectations is one of the keys to a successful operation. If you find yourself outgrowing your current place of business, wishing to open a new location or renovating the one you have, our commercial real estate loans can provide the funding you need to achieve your growth goals.

Agricultural

Given that Kish Bank is rooted in the heart of Central PA, we know the importance of offering loans and lines of credit specially tailored to meet the needs of our local farmers. We have specially trained agricultural loan officers that can ensure you are in the correct product to meet your borrowing needs.

Professional

Kish Bank recognizes that those in professional positions, such as doctors, attorneys, and business owners, may have unique borrowing needs. If a situation arises where you need to borrow funds, we are committed to ensuring special attention is paid to your request and your busy schedule, by keeping the process smooth and hassle-free.

Credit Services

When ordinary means of borrowing don't fit your unique cash flow needs, Kish Bank has a solution for you.

• CashFlow Lease^TM
  Many businesses today use leasing instead of paying cash or obtaining a loan to finance large purchases, especially for equipment or vehicles that depreciate in value quickly. Through CashFlow Lease^TM, we can provide competitive equipment lease financing for up to 100% of the cost of the equipment, as well as arrange for a reasonable fixed payment during the term of the lease.
• Business Manager^©
  Business Manager is a complete system designed to improve the cash flow of small-to-medium sized businesses. The program allows participants to get cash for their receivables on a daily basis by selling the receivables to Kish Bank at a discounted rate, which is particularly helpful to customers who do not want to wait to collect on their outstanding invoices. Business Manager customers get easy access to working capital which can assist them in taking early payment discounts on their bills, meeting payroll obligations, and maintaining liquidity.

Letters of Credit

You may find a letter of credit to be especially helpful to running your business if you need to guarantee a payment to a supplier.