Gain the flexibility you need to respond immediately to new business opportunities or cash flow concerns:
- Adjust to seasonal fluctuations or carry accounts receivable and/or inventory.
- Use it for short term working capital.
- Take advantage of trade discounts or improve liquidity.
- Provide overdraft protection for your business checking accounts.
- Use available funds at your discretion just by writing a check!
If you would like more information about Lines of Credit, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
- Gives you the cash you need to purchase or refinance business assets, including equipment and vehicles.
- Regular monthly payments allow you to manage cash flow during times of business expansion.
- Depending on the loan you need, the rate is fixed or variable.
- Flexible terms are available.
If you would like more information about Term Loans, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
We can help you manage your accounts receivable function and improve cash flow with our Business Manager System. We buy your receivables up front on a discounted basis. We bill your customers and collect their payments.
- Business Manager gives your business more predictable cash flow.
- You gain disposable funds to reinvest in your business.
- You gain flexibility to pay off debt or take advantage of suppliers' discounts.
- Business Manager allows you to offer more flexible terms to increase sales.
If you would like more information about Business Manager Credit email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
The First has a long tradition of providing financing to the trained professionals in the market we serve. We recognize that professionals, whether for business or personal financial needs, require flexibility, and expect quality service. To meet the borrowing needs of the professional, we provide the following types of credit arrangements.
- Lines Of Credit.
- Secured & Unsecured.
- For Business or Personal Needs.
- Term Loans.
- Acquisition of fixed assets.
- Leasehold improvements.
- Real Estate Loans.
- Purchase, construct, improve, or refinance commercial real estate.
- Leasing.
If you would like more information about Professional Loans, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
First National Bank makes loans for all types of real estate:
- Single and multi-family homes.
- Retail property.
- Commercial and industrial properties.
- Financing for interim construction or expansion.
Whether you are building, expanding or refinancing existing properties we offer competitive rates, flexible terms, and loan products tailored to your specific business needs.
If you would like more information about Real Estate Loans, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
First National Bank offers a wide variety of agricultural loans:
- Real estate.
- Machinery and equipment.
- Livestock.
- Production of crops.
We offer flexible terms with repayment schedules designed to match your cash flow, competitive rates, and loan products tailored to meet your specific agricultural business needs.
If you would like more information about Agricultural Loans, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
Designed for the borrowing needs of small businesses, a guaranty by the U.S. Government provides additional flexibility in the amount of financing available, the maximum term of the loan, the payments required and the acceptability of collateral.
For application forms and additional information on start up businesses and the SBA, visit http://www.hutchquest.com or http://sba.gov
If you would like more information about SBA Loans, email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.
- Letters of Credit.
- Merchant bank card services.
- Corporate credit cards.
- Leasing.
If you would like further information about Additional Credit Services email us at businessbanking@fnbhutch.com or call us at the Main bank, 620.694.2225.