Scammers are Spoofing a NEBAT Phone Number & Impersonating Employees - Beware!
We've recently received reports of fraudsters spoofing a National Exchange Bank & Trust phone number and claiming to see unusual card charges from Walmart, Target and other stores. They are asking to "verify card information." If you receive a call, text or email, do not engage. DO NOT SHARE any information unless you start the conversation using a trusted and verified local number. Stay safe and vigilant!
Running a small business isn’t easy. Every day, you balance routine operations, keeping customers happy and finding ways to stay one step ahead of the competition. The demands never let up. When it’s time to grow, the path forward isn’t always smooth, either. Should you expand your product offering? Hire additional staff? Open a new location? With limited time and resources, knowing what steps to take can feel overwhelming.
At NEBAT, we offer flexible business loan options designed to help local businesses grow, stabilize cash flow and invest in long-term success. Below are three examples of how business financing can support different growth goals, and which loan options may be the best fit.
Dave owns a local home improvement store. It’s a successful business, and he is ready to invest to drive even greater profits.
With the right business financing, Dave could:
Business lending allows Dave to invest in growth without dipping into cash reserves, making it easier to scale as demand rises. Because these upgrades drive revenue and improve the customer experience, he can move forward comfortably knowing his loan payments are manageable.
In order to finance new equipment like a paint mixing and matching machine, Dave should apply for a business equipment loan. This approach allows Dave to allocate revenue toward ongoing expenses instead of tying up most of his cash in a large equipment purchase. Plus, the machine serves as collateral, significantly removing risk from the loan.
We also recommend that Dave talk to a lender about a commercial loan, which gives him access to a larger amount of capital than a standard small business loan. This is ideal for covering major investments like a new location or major equipment purchase. Commercial loans are also flexible, meaning that Dave could use his loan to fund both a new location and new equipment, not just one or the other.
Business Equipment Loans Commercial Loans
Jessica owns a Wisconsin-based contracting company. Her business is doing well, but it’s tricky to manage slower winter months while preparing for spring demand. The ebb and flow of revenue makes it difficult to know when to make large purchases and how to cover recurring expenses year-round. The right type of financing can help Jessica:
A working capital line of credit gives Jessica flexible access to funds when she needs them. She only pays interest on the amount she uses, making it a cost-effective solution for seasonal businesses.
This type of financing also provides a financial safety net for unexpected expenses, helping Jessica’s business remain stable year-round.
Working Capital Line of Credit
Whitney owns a local clothing boutique. Her business is flourishing and she’s looking to purchase the boutique building so she can stop paying rent and build equity. With business financing, Whitney can:
A commercial real estate loan is designed specifically for business property purchases. These loans offer structured repayment terms and can be customized based on business cash flow and long-term goals.
A NEBAT business lender can design a commercial real estate loan that takes Whitney's business to the next level through manageable monthly payments, strong financial equity and the freedom to update the building as she sees fit.
Every business has unique financing needs. That’s why local businesses benefit most from a local lender with deep knowledge of Wisconsin businesses. At NEBAT, we provide a thorough understanding of the Wisconsin market, and our team of locally based lenders provides insightful, personalized service. If you’re ready to grow your business, NEBAT is ready to help.
Meet Our Business Lenders Business Loan Options
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