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Commercial and Small Business Loans

As a trusted and locally-owned community bank, Kinderhook Bank is dedicated to the best interests of the businesses that we serve. We offer local decision-making, outstanding personal service, and have an in-depth knowledge of the Greater Capital Region. Kinderhook Bank is "your kind of bank" for business loans!

Businesses are eligible for a variety of different purposes, including but not limited to the following:

  • BUSINESS AND TERM LOANS
  • EQUIPMENT LOANS
  • BUSINESS LINES OF CREDIT
  • TERM FINANCING
  • COMMERCIAL & INDUSTRIAL MORTGAGES
  • CONSTRUCTION FINANCING
  • SBA & USDA FINANCING PROGRAMS

Commercial Mortgage and Real Estate Loans

First mortgage loans to purchase, construct or renovate commercial real estate are available. Personal guarantees may be required. Applicants for commercial mortgages will be required to submit current financial statements, tax returns, resumes of their management experience, construction plans and specifications, if applicable, along with an application deposit to be applied to closing costs.

Municipal Financing

Kinderhook Bank provides funding to municipalities and public entities in the form of Bond Anticipation Notes; Revenue Anticipation Notes; Statutory Installment Bonds; Tax Anticipation Notes and General Obligation Bonds.

Small Business Loans

Whether you need working capital, an equipment loan, or a land/building loan...we have the small business loan products that are right for you!  Kinderhook Bank can offer a variety of loans to healthy and growing small businesses - expanding entrepreneurs' access to affordable, well-structured capital.

Contact us today to speak to any one of our branch staff or loan officers today for more information and for a loan application.  Our experienced staff will help you through the review process and find the right solutions to fit your unique business needs!