Business Banking

Business Lending

Indiana Small Business Loans – MutualBank

Our clients and prospects experience short-term and long-term financing needs. MutualBank consistently meets their requirements by providing working capital financing, fixed asset acquisition funding and seasonal borrowing needs. Our vast array of financing alternatives makes us the flexible, competitive and obvious choice for all your banking needs.

Equipment Financing
MutualBank's experienced lending team will help you structure a flexible loan program that will work with your cash flow to finance equipment, machinery or other capital needs.

Commercial Real Estate Loans
MutualBank is here to help you find the right structure and term to your real estate-related business loan. Whether it is flexibility in interest rate options or terms that provide your business with the necessary capital to expand your current building, we want to help your business succeed

Lease Options
Leasing allows business owners to keep pace with the ever-changing technology without straining their everyday cash flow. Lease payments may be fully tax deductible. (Consult your tax advisor.) MutualBank will handle all of the financial details associated with a customized program.

Construction and Development Loans
Are you ready to construct a new building or develop a housing subdivision? Our 100 plus years of experience in development projects will help your company structure the options necessary for your success.

Small Business Association (SBA) Financing
MutualBank specializes in SBA loans. We can council you in the best SBA loan for your business whether it's a SBA 504, 7(a) loan or other loan programs. We are an approved SBA Express lender, which allows us to secure a loan approval in a timely manner. Our business lenders will help your business find the right program to fit your company's needs and goals.

Lines of Credit
Lines of credit provide working capital to properly manage your cash

Healthy Savings

Have you ever thought about how much your prescription or doctor visits cost your employer? Many people who have a traditional insurance plan know they pay a $20 or $30 co-pay then they go about their day. But have you ever looked at the amount your company pays?

Insurance costs have skyrocketed over the past decade and companies have tried to find a way to still offer benefits to their employees. The solution has been to offer a high deductible insurance plan. These types of programs are often accompanied by something called a Health Savings Account (HSA). Simply put, a HSA is a checking account where money can be deposited and used for medical expenses. (You might have heard of a Flexible Spending Account, FSA, which is similar to a HSA, but different. FSAs require you to use your money set aside before the year ends. HSAs allow you to roll money over year after year. There are other differences as well. Learn more about HSAs through the Treasury’s website.)

So, are HSAs a good idea? Yes! HSAs make us better consumers of our health care. We look closer at a bill or prescription if we know it will come out of our pocket. We take the time to make sure if a generic medicine is just as good as a name brand, or if we truly need to go to the doctor for our sniffles.

The beauty of a health savings account is that the money grows tax free as long as we use it for qualified medical expenses. So not only are we being more proactive with and aware of our healthcare, we are being smart about our money as well!

Together, a health savings account and a smart consumer make for very healthy living!

If you have questions about your HSA or want to learn more, chat with us! Your local MutualBanker is here to help you live a better life!

Tuesday, February 21, 2012

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