Business Loans

Lines of Credit

• Seasonal operating lines

  Ideal for clients with strong capital bases, First Independent's seasonal operating lines of credit offer extra liquidity to meet peak season cash needs such as funding inventory and receivable build-ups for holiday seasons or spring merchandise. Paid to a zero balance for many days each year, seasonal lines are disbursed and repaid as needed through First Independent's Business online banking. Monthly interest payments may be collected via automatic debit from a First independent checking account.

• Asset-based lines

  Asset-based lines of credit allow profitable companies to continuously finance receivables and inventory throughout the year. The borrower provides periodic information about their current collateral position, such as accounts receivable agings, inventory lists and Borrower Certificates. Asset-based lines may have advances and repayments through First Independent's online banking, depending on overall credit needs. Interest payments may be collected via automatic debit from a First Independent checking account.

• Equipment lines

  First Independent equipment lines of credit are pre-approvals to make equipment purchases throughout the year. As those specific equipment items are purchased, individual multi-year, fully amortizing notes are created and funded. Repayment of both principal and interest may be made via automatic debit from a First Independent checking account.

Term loans

• When it's time to acquire capital assets, including owner-occupied commercial real estate and equipment, First Independent offers an excellent selection of term loans. In addition, First Independent can also provide Small Business Administration (SBA) guaranteed loans and enhanced credit availability.

Business VISA Credit Card

• We're pleased to offer our First Independent Bank VISA Business credit cards with a low APR fixed interest rate for the first six months and our new DreamMiles® Rewards Program. With DreamMiles®, you'll earn one point for every dollar you spend with your card. Choose from hundreds of rewards options including discounted travel, brand-name merchandise, gift cards, cruises, hotel stays and free airline tickets. Call or visit your local Bank of Nevada office for an application and important disclosure information. You may access your credit card information online at: www.e-creditcardservices.com.

  Subject to credit approval. Other terms and conditions may apply. Additional disclosures will be provided at account opening.

Commercial Real Estate and Construction

• Take advantage of our wide range of commercial real estate loans - whether you are financing, expanding, relocating or initially buying business real property We have financing options available for:

  • Acquisition and development

  • Single family and multi-family construction

  • Interim construction loans

  • Construction loans with long-term financing

  • Purchase loans for commercial buildings

  • Refinancing of commercial buildings

SBA

• Short- and long-term financing of your company's fixed assets.

Please contact us at info@firstindependentnv.com or (775) 828-2000 and we'll be happy to explain further.

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