• A complete system that allows you to get cash for your receivables on a daily basis by selling them to the bank at a discount.
• Effectively puts your business on an all-cash basis, enabling you to:
  
  1. Take early payment discounts from suppliers
  2. Take advantage of quantity buying discounts
  3. Pursue new business opportunities
  4. Increase sales
  5. Make payroll
  6. Re-direct staff time
  7. Offer convenient payment terms to your customers
  8. Reduce lines of credit
  9. Eliminate debt
     
• Saves you time and money traditionally spent on receivables management and gives you more time to focus on building your business.
• Is Business Manager™ a fit for your business? The best way to find out is to talk briefly with one of our Business Manager™ specialists. Within just a few minutes, you’ll know if the program is right for your business.

Whether you’re starting up a new business, building a second location, expanding your product line or simply trying to consolidate debt, our commercial loan officers can customize a loan to fit your specific business needs.

• Start-Up Loans
• Expansion Loans
• Real Estate Acquisition Loans
• Operating Expense Loans
• Debt Consolidation Loans
• Seasonal Lines of Credit
• Machinery / Equipment Loans
• Inventory Loans
• We offer both short and long term business loans with flexible re-payment terms.

If you’re thinking about starting a new business or expanding your existing business, we can assist you with participation in special loan programs offered by the Small Business Administration. While starting a business can be complicated, we’re dedicated to supporting small business growth in our community and are committed to seeing your dream become a reality.

• Compared to conventional business financing, SBA loans can offer easier qualification, lower down-payments and more affordable monthly payments.
• An SBA Loan may be an option to consider if you’re starting or buying a new business or are unable to secure conventional financing.
• SBA Loans are backed by the US Small Business Administration, an independent Agency of the Executive Federal Government.

Maximize your business potential with Bank of Pontiac Leasing! It's available for a wide range of business needs including computers, copy machines, software, fleet vehicles, medical equipment, office equipment and heavy machinery. Visit Leasing Solutions to see what this offering can do to help your business increase its profits.

*Subject to approval.
** Subject to approval; FREE with at least one bill payment each month. Inactive accounts will be charged $4.95 per month
***Subject to eligibility requirements

• Enjoy the security of having a line of credit linked to your business checking account.****
• When funds are needed, simply write yourself a check. Funds are then transferred in increments of $50 from your Reserve Checking Line.
• If your business checking account becomes overdrawn, your checks will be covered up to your available line of credit.

****Please refer to our services brochure for complete details regarding Applicable fees, interest rates and eligibility requirements.

• With ACH Origination, we can assist with your payroll duties.
• ACH Origination is an efficient method of payroll distribution in which Bank of Pontiac initiates direct deposit of payroll into your employees' personal accounts.
• This program saves you valuable time, provides a much safer and secure method of handling payroll and saves you from buying unnecessary supplies like check stock.
• To find out if ACH Origination is right for your business, contact us today for a complimentary proposal.

Monitor your business account any time – day or night – with FREE Online Banking.

• View your business accounts, loans and lines of credit
• Confirm deposits and withdrawals
• Transfer money between accounts or make loan payments
• Reconcile your accounts instantly
• Download account information into financial management software
• Enter stop-payment requests (stop-pay fee applies)
• Generate custom reports

Paying your suppliers and other operating expenses is quick and easy with our FREE Online Bill Pay**.

• Available 24 hours a day, every day of the year
• No more checks, stamps or envelopes
• Once you’ve established your payees, the system maintains a record of payee
  information
• Paying your bills is easy – just select the payee, enter a payment amount and
  choose a payment date
• Your bill payments will be itemized on your monthly checking account
  statement
• Use Online Bill Pay to pay any bill – from national companies to local merchants

Cost: FREE**
**Subject to approval; FREE with at least one bill payment each month. Inactive accounts will be charged $4.95/month.

• An easy convenient way of using your purchasing power.

• Allows you to offer additional payment methods to your customers.

• (815) 844-3671
• Obtain account information 24 hours a day, 365 days a year
• Transfer funds between your Bank of Pontiac accounts with pre-approval
• Learn about our products
• Review selected interest rates

Domestic
Outgoing: $20.00
Incoming: FREE for Bank of Pontiac customers, $20.00 for non-customers

International: $50.00

• Coin Counting
• Night Depository
• Business Edition Credit Card