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Ben Fryman Image

Ben Fryman

V.P.

Commercial Lender

(859) 233-8938

630652

Chris French

Chris French

V.P.

Commercial and SBA Lender

(859) 333-1046

MLO NMLS ID# 1151173

Chris Boaz

Chris Boaz

V.P.

Commercial and Mortgage Lender

(859) 280-3840

MLO NMLS ID# 478799

Application Link
Tom Greinke

Tom Greinke

President

No Title 

(859) 685-3046

MLO NMLS ID# 1434459

J Miller Wilson

J. Miller Wilson

V.P.

Commercial Lender

(859) 280-3848

MLO NMLS ID# 467140

We offer a variety of commercial loan products including:

  • Real Estate Loans (owner-occupied and investment)
  • Working Capital Lines of Credit
  • Construction Loans
  • Letters of Credit

SBA Loans-SBA Express Certified Lender

  • 7(a) loan program: The SBA 7(a) loan program is the SBA’s primary business loan program.
  • 7(a) proceeds can be used to purchase machinery, equipment, fixtures, and supplies, make improvements to land and/or buildings that will be occupied by the subject applicant’s business.
  • 504 loan program: SBA 504 loan program proceeds may be used to purchase property or capital equipment.
Open IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

USA PATRIOT ACT IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account for a covered Legal Entity. New rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number and identification documents for; · Each individual that has beneficial ownership (25% or more) in the Legal Entity: and · One individual that has significant managerial responsibility for the Legal Entity. We proudly support all efforts to protect and maintain the security of all our customers and our country.

Frequently Asked Questions:

Q) What is considered a Legal Entity?

A) Corporations, Limited Liability Companies, Limited Partnerships, Joint Ventures and General Partnerships.

Q) What documentation should I plan to bring with me when opening a Legal Entity Account?

A) A copy of the Operating Agreement or Articles of Incorporation for the Legal Entity and a copy of the current Driver’s License for EACH identified individual with beneficial ownership of 25% or more and for the individual with significant managerial responsibility for the Legal Entity.

Q) Is this new rule retroactive to my existing accounts?

A) No, this information will be required as every legal entity opens a new account going forward-even legal entities with existing relationships. However, modifications to existing accounts, such as authorized signers, will require us to follow these certification steps.

Q) Does this apply to loan accounts?

A) Yes, this rule applies to all accounts including checking, savings, certificates of deposits and loans. Please contact customer service if you have any other questions. 859-233-4500