Loans & Credit
Our Commercial Relationship Managers and Business Bankers are members of your community and have a vested interest in the success of your business. All decisions are made locally, and our team takes the time to learn how your business operates so they can determine how to best help you grow and succeed—no matter the size of your business. Because we have a wide variety of loan product offerings, we have the ability to tailor custom solutions to meet your unique business needs.
Equipment and Term Loans
If you need to upgrade your existing facility or purchase equipment to help expand your operations, Kish Bank's equipment and term loans are available at competitive rates and fair terms.
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. A business line of credit gives you instant access to the extra cash you need to support immediate demands.
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.
Kish Bank is rooted in the heart of Central PA and we know the importance of offering loans and lines of credit specifically tailored to meet the needs of our local farmers. We have specially trained agricultural loan officers that can fit your operation with the correct loan products to help you sustain and grow your business.
Clients in certain professions, such as doctors, attorneys, and business owners, often have unique borrowing needs and limited time to manage finances. If a situation arises where you need to borrow funds, we are committed to ensuring special attention is given to your request and your busy schedule by keeping the process smooth and hassle-free.
When ordinary means of borrowing don't fit your unique cash flow needs, Kish Bank has a solution.
CashFlow LeaseTM—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, 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.
Business Credit Cards
Choose from our popular business credit card options such as low rate, cash back, or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
Free online expense reporting tools
No fee for additional employee cards
Mobile payment capability for added convenience
Zero Fraud Liability*—you won’t be liable for fraudulent purchases when your card is lost or stolen
Cardmember Service available 24 hours a day/365 days per year
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*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.