Driving business growth through smart borrowing
Smart borrowing is one of the most effective ways to fuel your business’s growth.
Whether you're expanding operations, purchasing equipment, or improving your facilities, the ability to access capital at the right time — and from the right banking partner — can give you the momentum you need to reach your goals.
Commercial borrowing refers to the process of securing a loan or financing for business purposes. These funds can help you manage cash flow, make strategic upgrades, or seize new opportunities. The key is understanding your options and choosing a borrowing solution that aligns with your financial objectives and operational needs.
Common borrowing options include term loans, equipment loans, and commercial real estate loans.
Term loans provide a fixed payment on your borrowings that you repay over a set period, typically with a consistent interest rate. These are ideal for larger, planned expenses — like purchasing machinery, upgrading your space, or funding a project with a defined budget.
Equipment loans are designed specifically for purchasing business-critical tools, vehicles, or technology. These loans usually are secured by the equipment itself, which keeps financing straightforward and accessible.
Commercial real estate loans support property purchases, expansions, or renovations. With longer terms and larger amounts, these loans are essential for businesses ready to make a long-term move or solidify their physical presence.
Strategic acquisition loans can be used to purchase a complementary business or revenue stream. Loan structures for this type of borrowing can be a hybrid of fixed and floating rate loans with varying types of amortization. Having well-defined projections on revenue and costs will be key to a successful underwriting of this type of loan purpose.
Before borrowing, it’s important to evaluate your company’s cash flow, revenue trends, and the intended use of the funds. Lenders will consider those same factors — along with your credit profile and collateral — when reviewing your application. Being clear about what you need and why you need it helps ensure the borrowing process works in your favor.
That’s where the right banking partner makes all the difference. At Republic Bank of Chicago, we understand that every business is different — and so is every borrower. Our commercial lending professionals build relationships like our clients build their businesses: strong, lasting, and impactful. We take the time to understand your unique goals, and we customize borrowing solutions that work for where you are — and where you’re headed.
All loan decisions are made locally, allowing us to respond quickly and with a clear understanding of your market. Our team is hands-on, responsive, and committed to helping you move forward with confidence, because being the right banking partner means being available when it matters most. Bank with Republic Bank of Chicago — the bank for Chicagoland entrepreneurs.
If you're planning your next business move and need the right financing to make it happen, connect with the Republic Bank commercial lending team:
• Emilio DiCesare, SVP/Commercial Group Head, (630) 822-7176
• Whitney Cimaglia, VP/Business Banking, (630) 908-1816
• Jim Cox, VP/Commercial Lending, (630) 570-7740
• Leonard Buonincontro, VP/Commercial Lending, (630) 241-5705
Because the smartest borrowing starts with the right banking partner — a partner who has a thoughtful approach to commercial lending and is committed to unlocking your business’ next chapter of growth.
• Emilio DiCesare is senior vice president/commercial group head for Republic Bank of Chicago, member FDIC.