Reach new markets with a business loan from Horizon Bank
What makes Horizon unique when it comes to business lending?
Our Commercial Banking Advisors are dedicated to providing comprehensive support throughout the entire loan process. When you work with us, you’ll connect with an Advisor who not only understands your business but also resides and operates in your community. When unexpected challenges arise, you can trust your Horizon Advisor to respond promptly and decisively, going beyond to assist you. Our team is committed to solving your problems with care and expertise. We believe that good advice goes beyond simply providing answers—it’s about understanding your unique situation and offering tailored solutions.
Does Horizon offer any specialty loan programs?
Horizon Bank offers specialized loan programs for manufacturers, whether you’re buying new equipment or refinancing to reduce costs. We also provide Healthcare Loan Programs for medical and dental practices—whether you’re starting, buying, or expanding your practice—to improve cash flow management. Additionally, our commercial mortgages help businesses leverage their existing assets for growth, whether you’re expanding, purchasing new property, or investing in real estate. With competitive interest rates, flexible repayment options, and the choice of term loans or lines of credit, we can help you creatively use your assets to achieve your goals.
Can refinancing opportunities in this climate really make a difference?
With interest rates are on the rise, existing commercial real estate loans may become less favorable. We can help clients identify opportunities for refinancing existing loans to secure more attractive terms. This could involve transitioning from variable to fixed-rate loans or consolidating multiple loans into a single, more manageable package. By proactively seeking refinancing options, clients can reduce the impact of higher interest rates on their current debt obligations.
Why is staying informed about market trends crucial for commercial real estate investors and developers?
Horizon can offer our clients market insights and economic forecasts. Armed with this information, clients can make informed decisions about their investments, including when to buy, sell, or hold properties. By providing access to up-to-date data and expert analysis, Horizon empowers their clients to navigate high interest rate environments more effectively.
Why is having a relationship with your lender so important?
At Horizon, we focus on building strong, long-term relationships with our clients, going beyond traditional banking services to deeply understand their unique needs, especially in commercial real estate. We maintain proactive communication through regular check-ins, ensuring we stay aligned with our clients’ evolving goals. This allows us to anticipate needs and offer customized solutions that support growth. In a fast-changing market, we respond quickly to shifts, offering timely advice and financial strategies to help clients navigate challenges and seize opportunities. At Horizon, we’re committed to being a trusted partner, building lasting relationships that drive long-term success.
What’s on the Horizon for 2025?
In Q1 2025, we will be opening a new office in Kalamazoo, Michigan. Housed in the historic 1905 bank building, formerly the Kalamazoo-City Savings Bank, our new location is situated on East Michigan Avenue in downtown Kalamazoo. This 13,000-square-foot space provides convenient access to key areas, including the Haymarket District and the upcoming $300 million Kalamazoo Arena. Focused on delivering both commercial and personal banking services, this strategically located office presents significant opportunities for community engagement and growth.
Are you ready to make the move to Horizon Bank? Learn more: horizonbank.com/businessloans
About the author
David Quade serves as Horizon Bank’s Regional President for Michigan, with over two decades of banking expertise. He holds a bachelor’s degree in business administration from Central Michigan University and is a graduate of the Graduate School of Banking at the University of Wisconsin. David excels in commercial lending, credit management, and acquisitions. Under his leadership, Horizon Bank’s Michigan region has expanded markets, assimilated branches, and led in market share growth. He is an active community member, supporting various local organizations.
