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Commercial Loans

SBA Loans, Lines of Credit and Other Commercial Loan Options

From start-ups to small companies to expanding businesses, all commercial entities have the need for additional funds. Regardless of your business’s niche or size, CBI Bank & Trust is here to support you through the numerous commercial loan options we offer. 

SBA Guaranteed Loans

CBI Bank & Trust is a Small Business Administration-approved lender. We offer SBA loans to assist with business start-up costs, as well as the acquisition or refinancing of existing businesses. Visit the SBA’s website,, for more information about loan options available and other business resources.

Commercial Lines of Credit

For businesses with cyclical cash flow or current and future expenses, a commercial line of credit offers a low-cost and quick way to get the funds you need for your business.

A variety of terms and conditions are available depending on collateral and business type
A flexible and convenient financing option – can be used when you need it for a variety of expenses

Commercial Real Estate Loans – Four Financing Options

  1. Acquisition and Improvement Loans- a commercial loan for the acquisition or improvement or an existing commercial property.
  2. Construction and Permanent Financing Loans- loans for the purchase of land and site preparation, construction process and after construction is completed.
  3. Development Financing- commercial loans to help you develop a site that are tailored to meet funding needs in all parts of the project.
  4. Investment Property Loans- get the funding necessary for the purchase or refinancing of commercial, single-family or multi-family housing properties owned as part of your investments.

Contact a CBI Bank & Trust Commercial Lender to Get Started

Ready to start the conversation about your commercial loan needs? CBI Bank & Trust’s commercial lenders are ready to listen and help you find the best solution for you. Give them a call or stop by to see them today.

Kent Nelson

Kent Nelson

Senior Vice President
Senior Loan Officer
NMLS# 2368417
Phone: 563-262-3825 or email at [email protected]

Mike Goben
Mike Goben

Scott County
NMLS# 2020201
Phone: 563-333-4301 or email at [email protected]

Rick Gosney
Rick Gosney

Vice President
Commercial Banking Manager
NMLS# 869865
Phone: 563-333-3142 or email at [email protected]

Rick Gosney
Lawrence Davis

Vice President
Commercial Loan Officer
Phone: 563-333-3020 or email at [email protected]


 Nate Meineke
Nate Meineke

Vice President
Commercial Loan Officer
NMLS# 641810
Phone: 563-262-3819 or email at [email protected]

Photo of Zach Kenton
Zach Kenyon

Vice President
Commercial Loan Officer
NMLS# 1045918 
Phone: 319-688-9005 or email at [email protected]