1<!DOCTYPE html><html class="no-js" lang="en"><head><meta charset="utf-8"><meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"><title> 2 How to Get a Small Business Loan | IncredibleBank 3 </title><meta name="description" content="Whether you’re an existing business owner with years under your belt or an entrepreneur getting your start-up off the ground, you may have a need for a small business loan. While every loan will be a little different, here are some of the things you’ll need."><meta name="keywords" content=""><meta name="viewport" content="width=device-width,initial-scale=1"><meta name="apple-mobile-web-app-title" content="IncredibleBank">
3<script>!function(e,a,t,n,g,c,o){e.GoogleAnalyticsObject=g,e.ga=e.ga||function(){(e.ga.q=e.ga.q||[]).push(arguments)},e.ga.l=1*new Date,c=a.createElement(t),o=a.getElementsByTagName(t)[0],c.async=1,c.src="//www.google-analytics.com/analytics.js",o.parentNode.insertBefore(c,o)}(window,document,"script",0,"ga"),ga("create","UA-72577284-1","auto"),ga("send","pageview")</script>
3<link rel="stylesheet" href="/assets/css/main.min.css?v=1772225153598">
3<script>!function(){"use strict";var e,t,n,a="/assets/css/fonts.css?v=1772225153260";function c(){if(window.localStorage&&window.XMLHttpRequest)if(n=a,window.localStorage&&localStorage.font_css_cache&&localStorage.font_css_cache_file===n)o(localStorage.font_css_cache);else{var e=function(e,t){var n=new XMLHttpRequest;"withCredentials"in n?n.open(e,t,!0):"undefined"!=typeof XDomainRequest?(n=new XDomainRequest).open(e,t):n=null;return n}("GET",a);e&&(e.onreadystatechange=function(){4===e.readyState&&(o(e.responseText),localStorage.font_css_cache=e.responseText,localStorage.font_css_cache_file=a)},e.send())}else{var t=document.createElement("link");t.href=a,t.rel="stylesheet",t.type="text/css",document.getElementsByTagName("head")[0].appendChild(t),document.cookie="font_css_cache"}var n}function o(e){var t=document.createElement("style");t.setAttribute("type","text/css"),t.styleSheet?t.styleSheet.cssText=e:t.innerHTML=e,document.getElementsByTagName("head")[0].appendChild(t)}window.localStorage&&localStorage.font_css_cache||-1<document.cookie.indexOf("font_css_cache")?c():(e=window,t="load",n=c,e.addEventListener?e.addEventListener(t,n,!1):e.attachEvent&&e.attachEvent("on"+t,n))}()</script>
3<script src="https://www.incrediblebank.com/assets/files/2SUjtDOM/mp_linkcode.js"></script>
3 4
4<script type="application/ld+json"> 5{ 6 "@context": "http://schema.org", 7 "@type": "Article", 8 "name": "How to Get a Small Business Loan", 9 "headline": "How to Get a Small Business Loan", 10 "author": { 11 "@type": "Organization", 12 "name": "IncredibleBank" 13 }, 14 "dateModified": "2024-06-19", 15 "image": { 16 "@type": "ImageObject", 17 "url": "https://www.incrediblebank.com/assets/img/how-to-get-small-business-loan.jpg", 18 "width": 600, 19 "height": 400 20 }, 21 "articleSection": "How to Get a Small Business Loan", 22 "articleBody": "Whether youâre an existing business owner with years under your belt or an entrepreneur getting your start-up off the ground, you may have a need for a small business loan.\n\nWhile every loan will be a little different, here are some of the things youâll need.\n\nRelationships First\nMost banks will be like your significant other â theyâll ask for monogamy.\n\nIn other words, if youâre looking for a loan with us, weâll want your whole banking relationship, including your deposit accounts.\n\nWhy?\n\nFirst, itâs easier for you. You can log into your online or mobile banking and see everything from your loans to your checking accounts to your credit cards. Gone are the days of hopping from one bank to the next to see your entire business financial picture.\n\nPlus, it often comes with better terms on both the deposit and loan side. Business loans are priced based in part on relationship, along with other factors such as creditworthiness, etc. If loans are the big trips you take with your significant other, deposits are a bit like dating â theyâre how we get to know each other.\n\nFinally, when we have your entire relationship, itâs easier for us to make lending decisions because we can see your entire financial situation clearly. That means less paperwork for you!\n\nDocumentation\nNext, as youâd imagine, we need to gather some documentation to provide your business with a loan.\n\nThink of your bank as an investor in your business. When we request documentation, itâs so we can feel confident in our investment.\n\nThere are three major categories of documentation weâll need: documentation that shows us that youâre a business, documentation that shows us that you can pay the loan back, and the application.\n\nShow us You're a Business\nBefore doing business with your business, we have to be sure youâre a business.\n\nPhew. Thatâs a mouthful.\n\nIf you already bank with us, weâll likely already have what we need (see, much easier when we have your whole relationship!), but if not, weâll needâ¦\n\nYour Tax ID\nIf youâre a sole proprietor, you are able to use your social security number. However, even if you arenât required to have an EIN now, as your business grows, you may need one down the road, so you may want to get one sooner rather than later.\n\nEstablishing Documents\nIf youâre forming a corporation, you will need Articles of Incorporation. Articles of Incorporation serve to establish your corporation.\n\nIf youâre forming an LLC, you will need Articles of Organization. Articles of Organization serve to establish your LLC.\n\nProof that your business is registered with your state\nAll businesses must be registered with the state in which the business resides. To register, youâll need your tax ID and Articles as mentioned above.\n\nOperating Agreement/Bylaws\nYour businessâ operating agreement and bylaws lay out the structure of the business as well as the membersâ duties, rights, and responsibilities as it relates to the operations and finances of the business.\n\nShow us You Can Pay Back the Loan\nNext, weâll want to gather documentation that shows us you can pay back the loan. What you will need to show us will vary from situation to situation, but here is what you can generally expect to be asked to produce to your lender.\n\nFinancials\nFor a new business, weâll want to see your business projections. Donât worry â we understand this is a bit of a guessing game, but this helps us see your expected revenue and expenses. Be sure to include the assumptions you used to develop your projections.\n\nFor an existing business, weâll want to see your historical financials. This could take the form of tax returns or internal accounting software reports. In addition, seeing your deposit account statements also helps us understand your business financials.\n\nIf the loan is for growth, expansion, new equipment, or a major change to your business, we may also ask for one to three years of projections for existing businesses as well.\n\nCollateral\nCollateral to secure the loan is important, and while we donât want to see it as your first (or even second) way of demonstrating your ability to repay your loan, weâll want to see some details on the collateral, such as an appraisal, depreciation schedule, or detailed list of equipment.\n\nKeep in mind that your lender will take the discounted value of the collateral into account for the purposes of the loan. In other words, the value of your equipment typically goes down over time, and your lender will c
22onsider the value after depreciation as the value of the collateral for the purposes of the loan.\n\nPersonal Financial Statement\nYour Personal Financial Statement is the balance sheet on your household. It shows us your personal financial strength, including your liquidity and personal collateral.\n\nPersonal Guarantee\nIn this guarantee, you state that you back the loan should the business fail (not that we think it will, of course). This step demonstrates to the bank that you personally back the business, giving us more confidence in our decision to invest in your business.\n\nApply for the Loan\nNext, of course, is the actual application. As with any loan, the application tells us the details of what youâre looking for and why. Itâs the official request for the loan.\n\nYour Lender Has Your Back\nIt all sounds pretty complicated â from taxes to articles to financials to collateral, a lot goes into a small business loan.\n\nBut with a good lender (and we have quite a few here at IncredibleBank), youâll also have an advisor that will guide you through the process.\n\nAnd that lender wonât just be there to close the loan, but throughout the life of your business. We may never know your business as well as you do (you do live it, after all), but we do know business banking. Working together, we can support your goals throughout the life of your business.\n\n*All loan programs are subject to credit approval and have eligibility criteria that must be met.*", 23 "url": "https://www.incrediblebank.com/news-and-articles/how-to-get-a-small-business-loan", 24 "publisher": { 25 "@type": "Organization", 26 "name": "IncredibleBank", 27 "logo": { 28 "@type": "ImageObject", 29 "url": "https://www.incrediblebank.com/assets/img/incredible-bank-logo.png", 30 "width": 600, 31 "height": 60 32 } 33 } 34} 35</script>
35 36 37 <!-- Google Tag Manager -->
38<script>
vendor: 327 bytes, lines 38-42
38(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': 39new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], 40j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 41'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); 42})(window,document,'script','dataLayer','
42GTM-TG5H4W
vendor: 3 bytes, line 42
42');
42</script>
42 43<!-- End Google Tag Manager -->
44<script async src="https://api.alpharank.io/api/pixel/script/14baa9b9ce91a50b95e31fbef969deec9c62af86a1c6f90b232539b6bb40584e"></script>
44 45<!-- Facebook Pixel Code -->
46<script>
vendor: 399 bytes, lines 46-55
46 47!function(f,b,e,v,n,t,s) 48{if(f.fbq)return;n=f.fbq=function(){n.callMethod? 49n.callMethod.apply(n,arguments):n.queue.push(arguments)}; 50if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; 51n.queue=[];t=b.createElement(e);t.async=!0; 52t.src=v;s=b.getElementsByTagName(e)[0]; 53s.parentNode.insertBefore(t,s)}(window, document,'script', 54'https://connect.facebook.net/en_US/fbevents.js'); 55fbq('init', '
551321377167950296
vendor: 30 bytes, lines 55-56
55'); 56fbq('track', 'PageView');
57</script>
57 58<noscript><img height="1" width="1" style="display:none" 59src="https://www.facebook.com/tr?id=1321377167950296&ev=PageView&noscript=1" 60/></noscript> 61<!-- End Facebook Pixel Code --> 62 63<!--mp_linkcode_begins-->
64<script src="https://www.incrediblebank.com/assets/files/2SUjtDOM/mp_linkcode.js"></script>
64 65<!--mp_linkcode_ends--> 66 <!--â mp_snippet_begins -->
67<script> 68MP.UrlLang='mp_js_current_lang'; 69MP.SrcUrl=decodeURIComponent('mp_js_orgin_url'); 70MP.oSite=decodeURIComponent('mp_js_origin_baseUrl'); 71MP.tSite=decodeURIComponent('mp_js_translated_baseUrl'); 72MP.init(); 73</script>
73 74<!--â mp_snippet_ends --> 75 76<!-- Spectrum Call Tracking Script -->
77<script type="text/javascript"> 78!function(){function t(){var t=r("utm_content");if(t){var e=new Date;e.setDate(e.getDate()+30),document.cookie=t+";expires="+e.toGMTString()+";path=/"}else if(document.cookie)for(var o=document.cookie.split(/; */),n=0;n<o.length;n++)if(0===o[n].toLowerCase().trim().indexOf("utm_content=")){t=o[n];break}return t}function e(t){try{console.log(t)}catch(e){alert(t)}}function r(t){var e=top.location.search?top.location.search.substring(1):null;if(e)for(var r=e.split("&"),o=0;o<r.length;o++)if(0===r[o].toLowerCase().trim().indexOf(t+"="))return r[o];return null}var o="",n=r("mctest");if(n)e("dnr tag version: 20160125"),o="http://localhost:8080/rip/library/dnr/mcDnrTag.debug.js";else{var a=t(),c="";a&&(c=top.location.search?0<=top.location.search.indexOf("utm_content")?top.location.search:top.location.search+"&"+a:"?"+a,o="https://script.advertiserreports.com/redirector/dnr"+c)}if(o){var i=document.createElement("script");i.src=o;i,type="text/javascript",scriptTag=document.getElementsByTagName("script")[0],scriptTag.parentNode.appendChild(i)}}(); 79</script>
79 80<!-- End Spectrum Call Tracking Script --> 81 82<!--BEGIN QUALTRICS WEBSITE FEEDBACK SNIPPET-->
83<script type='text/javascript'> 84(function(){var g=function(e,h,f,g){ 85this.get=function(a){for(var a=a+"=",c=document.cookie.split(";"),b=0,e=c.length;b<e;b++){for(var d=c[b];" "==d.charAt(0);)d=d.substring(1,d.length);if(0==d.indexOf(a))return d.substring(a.length,d.length)}return null}; 86this.set=function(a,c){var b="",b=new Date;b.setTime(b.getTime()+6048E5);b="; expires="+b.toGMTString();document.cookie=a+"="+c+b+"; path=/; "}; 87this.check=function(){var a=this.get(f);if(a)a=a.split(":");else if(100!=e)"v"==h&&(e=Math.random()>=e/100?0:100),a=[h,e,0],this.set(f,a.join(":"));else return!0;var c=a[1];if(100==c)return!0;switch(a[0]){case "v":return!1;case "r":return c=a[2]%Math.floor(100/c),a[2]++,this.set(f,a.join(":")),!c}return!0}; 88this.go=function(){if(this.check()){var a=document.createElement("script");a.type="text/javascript";a.src=g;document.body&&document.body.appendChild(a)}}; 89this.start=function(){var t=this;"complete"!==document.readyState?window.addEventListener?window.addEventListener("load",function(){t.go()},!1):window.attachEvent&&window.attachEvent("onload",function(){t.go()}):t.go()};}; 90try{(new g(100,"r","QSI_S_ZN_26roUd4dmBlvq8S","https://zn26roud4dmblvq8s-incrediblebank.siteintercept.qualtrics.com/SIE/?Q_ZID=ZN_26roUd4dmBlvq8S")).start()}catch(i){}})(); 91</script>
91<div id='ZN_26roUd4dmBlvq8S'><!--DO NOT REMOVE-CONTENTS PLACED HERE--></div> 92<!--END WEBSITE FEEDBACK SNIPPET--> 93
94<script type="application/ld+json"> 95{ 96 "@context": "http://schema.org", 97 "@type": "BankOrCreditUnion", 98 "name": "Incredible Bank", 99 "image": "https://www.incrediblebank.com/assets/files/SDYOigfl/ib-atm%5B1%5D.webp", 100 "telephone": "715-845-5522", 101 "address": { 102 "@type": "PostalAddress", 103 "streetAddress": "237 North 17th Avenue", 104 "addressLocality": "Wausau", 105 "addressRegion": "WI", 106 "postalCode": "54401", 107 "addressCountry": "US" 108 }, 109 "areaServed": { 110 "@type": "Place", 111 "name": "Cities served by Incredible Bank", 112 "containedInPlace": [ 113 { 114 "@type": "City", 115 "name": "Calumet" 116 }, 117 { 118 "@type": "City", 119 "name": "Cape Coral" 120 }, 121 { 122 "@type": "City", 123 "name": "Eagle River" 124 }, 125 { 126 "@type": "City", 127 "name": "Houghton" 128 }, 129 { 130 "@type": "City", 131 "name": "Iron Mountain" 132 }, 133 { 134 "@type": "City", 135 "name": "Ironwood" 136 }, 137 { 138 "@type": "City", 139 "name": "Marquette" 140 }, 141 { 142 "@type": "City", 143 "name": "Merrill" 144 }, 145 { 146 "@type": "City", 147 "name": "Middleton" 148 }, 149 { 150 "@type": "City", 151 "name": "Minocqua" 152 }, 153 { 154 "@type": "City", 155 "name": "Rothschild" 156 }, 157 { 158 "@type": "City", 159 "name": "Tomahawk" 160 }, 161 { 162 "@type": "City", 163 "name": "Wausau" 164 }, 165 { 166 "@type": "City", 167 "name": "Weston" 168 } 169 ] 170 } 171} 172 173</script>
173 174 175 176<!-- Start of HubSpot Embed Code -->
177<script type="text/javascript" id="hs-script-loader" async defer src="//js.hs-scripts.com/46962658.js"></script>
177 178<!-- End of HubSpot Embed Code --> 179 180<meta name="google-site-verification" content="2jPOvZ0qkRw2JgABiBKflxW_gTCJBvMMMeoT2iCzJV8" /> 181 182 183 184</head><body class="subpage article-page template-8"><div role="navigation" aria-label="Skip content and Acrobat Reader"><div class="hidden-compliance" id="complianceMenu"><ul class="list-unstyled"><li><a href="/">Home</a></li><li><a href="#main">Skip to main content</a></li><li><a href="#footer">Skip to footer</a></li></ul></div><a class="hidden-compliance external" href="http://get.adobe.com/reader/" title="External link to download Acrobat Reader" aria-label="Acrobat Reader download">Download Acrobat Reader 5.0 or higher to view .pdf files.</a></div><div class="master-container"><div class="sticky-container"><div class="smart-banner"><div class="smart-banner-close"><a role="button" href="#">â</a></div><div class="smart-banner-icon"><img src="/assets/img/incrediblebank.jpeg" alt="IncredibleBank app icon"></div><div class="smart-banner-info"><div class="smart-banner-app-title">IncredibleBank</div><div class="smart-banner-author">IncredibleBank</div><div class="smart-banner-info">FREE - In <span class="smart-banner-store sbdroid">Google Play</span><span class="smart-banner-store sbapple">App Store</span></div></div><div class="smart-banner-link"><a href="https://play.google.com/store/apps/details?id=com.rivervalleybank.grip&hl=en" target="_blank" class="sbdroid" role="link">VIEW</a> <a href="https://apps.apple.com/us/app/river-valley-bank-mobile/id1072509143" target="_blank" class="sbapple" role="link">VIEW</a></div></div><header class="header"><div class="container olb-fixed-container"><div class="olb-container" role="region" id="olbModal"><button class="olb-closer trans d-none d-lg-block"><span class="icon icon-close trans" aria-hidden="true"></span> <span class="sr-only">Close Online Banking</span></button><div class="p-3 pt-6"><div id="olb"><div id="olbFdic"><link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Source+Sans+3:ital,wght@1,400;1,600"><div class="fdic-banner"><div class="container"><div class="fdic-container"><div class="fdic-logo"><svg width="38" height="17" viewBox="0 0 38 17" aria-labelledby="fdicLogo"><title> 185 How to Get a Small Business Loan | IncredibleBank 186 </title><g><path fill-rule="evenodd" clip-rule="evenodd" d="M8.79102 0.673615H13.9183C18.5271 0.673615 21.4825 3.66654 21.4825 8.34109C21.4825 13.5134 18.216 16.0328 13.0138 16.0328H8.79102V0.673615ZM13.5956 4.19475C13.4113 4.19475 13.1751 4.2251 12.8525 4.2251V12.5057C15.4564 12.5057 17.4613 11.413 17.4613 8.25614C17.4613 5.54248 15.8194 4.20082 13.5841 4.20082L13.5956 4.19475Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M37.3603 5.14182V1.0865C36.3305 0.61301 35.2172 0.375059 34.0938 0.388356C32.0639 0.322493 30.0956 1.12816 28.6402 2.6207C27.1847 4.11323 26.3669 6.16465 26.3741 8.30473C26.3741 12.8093 29.7673 16.1118 34.0131 16.1118C35.2019 16.1973 36.3828 15.8524 37.3603 15.1344V11.073C36.4505 11.779 35.3558 12.1713 34.2263 12.1961C33.1948 12.2257 32.198 11.8027 31.4739 11.0281C30.7497 10.2535 30.3632 9.19685 30.4068 8.11047C30.3706 7.02121 30.7578 5.96358 31.4788 5.18208C32.1997 4.40058 33.192 3.96287 34.2263 3.97015C35.3567 4.01174 36.4489 4.41161 37.3603 5.11754V5.14182Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.673615V16.0328H4.00964L4.03845 10.1563H7.93863V6.60483H4.06149L4.03845 4.22506H8.23244V0.673615H0Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M21.9092 16.0328H25.9188V0.673615H21.9092V16.0328Z" fill="currentColor"></path></g></svg></div><span class="fdic-text">FDIC-Insured - Backed by the full faith and credit of the U.S. Government</span></div></div></div></div><form method="post" action="https://my.incrediblebank.com/login" autocomplete="off" data-parsley-validate=""><div class="olb-title">Online Banking</div><div class="form-group"><label for="userId">User Name <span class="sr-only">User Name</span></label> <input type="text" class="form-control" name="username" autocapitalize="off" id="userId" autocomplete="off" required="" data-parsley-errors-container="#olb-error"><div class="parsley-errors" id="olb-error" aria-atomic="true" role="alert"></div></div><div class="text-right olb-links"><a href="https://my.incrediblebank.com/forgot" title="Forgot Password Link">Forgot password?</a> | <a href="https://my.incrediblebank.com/enroll" title="Enroll Online Link">Enroll Online</a></div><div class="text-center text-md-right"><button class="btn btn-small btn-default" type="submit">LOG IN</button></div></form></div></div></div></div><div class="header-top d-none d-lg-block"><div class="container px-0"><div class="d-flex justify-content-center justify-content-sm-end align-items-center"><div class="pr-2"><div class="toggle-search"><div class="search-toggle-button" aria-role="button"><span class="icon icon-search" aria-hidden="true"></span> <span class="sr-only">Search Toggle</span></div><form id="headerSearch" action="/search" data-parsley-validate=""><label for="headerSearchQuery" class="sr-only">Search Query:</label> <input type="text" class="headerSearch__input" name="q" id="headerSearchQuery" required=""> <button type="submit" class="headerSearch__button"><span class="icon icon-search" aria-hidden="true"></span> <span class="sr-only">Submit Search</span></button></form></div></div><div><a href="https://open.incrediblebank.com" class="btn btn-default header-button becomecustomer-button">Open Personal Account</a></div><div><button class="toggle-login header-button becomecustomer-button"><span class="button-text">Log In</span><span class="close-text">Close</span><span class="icon icon-lock" aria-hidden="true"></span></button></div><div><a mporgnav="" class="user-locale btn btn-default header-button" href="#" onclick="return chooser();function chooser(){var e=document.createElement("SCRIPT");return e.src="https://incrediblebankcom.mpeasylink.com/mpel/mpel_chooser.js",document.body.appendChild(e),window.scroll({top:0,left:0,behavior:"smooth"}),!1}" title="Global Switch">Choose Language</a></div></div></div></div><div class="header-bottom py-lg-2"><div class="container"><div class="d-flex justify-content-between justify-content-lg-center align-items-center align-content-center"><div class="navbar-header d-lg-none"><button type="button" class="navbar-toggle collapsed header-button" data-toggle="collapse" data-target="#navbar-collapse" aria-expanded="false" aria-haspopup="true"><span class="icon icon-menu" aria-hidden="true"></span> <span class="button-text">Menu</span> <span class="close-text">Close</span></button></div><div class="header-inner text-center"><span itemscope="" itemtype="http://schema.org/BankOrCreditUnion"><span itemprop="name" class="sr-only">IncredibleBank</span> <a href="/" class="logo" title="IncredibleBank, Wausau, WI" itemprop="url"><span class="logotype" itemprop="image" itemscope="" itemtype="http://schema.org/ImageObject"><img src="/assets/img/incrediblebank-logo-white-r.png" alt="IncredibleBank" itemprop="url"></span></a></span></div><div class="d-lg-none"><button class="toggle-login header-button"><span class="icon icon-lock" aria-hidden="true"></span> <span class="button-text">Log In</span> <span class="close-text">Close</span></button></div></div></div></div><div id="mobileFDIC"><link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Source+Sans+3:ital,wght@1,400;1,600"><div class="fdic-banner"><div class="container"><div class="fdic-container"><div class="fdic-logo"><svg width="38" height="17" viewBox="0 0 38 17" aria-labelledby="fdicLogo"><title> 187 How to Get a Small Business Loan | IncredibleBank 188 </title><g><path fill-rule="evenodd" clip-rule="evenodd" d="M8.79102 0.673615H13.9183C18.5271 0.673615 21.4825 3.66654 21.4825 8.34109C21.4825 13.5134 18.216 16.0328 13.0138 16.0328H8.79102V0.673615ZM13.5956 4.19475C13.4113 4.19475 13.1751 4.2251 12.8525 4.2251V12.5057C15.4564 12.5057 17.4613 11.413 17.4613 8.25614C17.4613 5.54248 15.8194 4.20082 13.5841 4.20082L13.5956 4.19475Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M37.3603 5.14182V1.0865C36.3305 0.61301 35.2172 0.375059 34.0938 0.388356C32.0639 0.322493 30.0956 1.12816 28.6402 2.6207C27.1847 4.11323 26.3669 6.16465 26.3741 8.30473C26.3741 12.8093 29.7673 16.1118 34.0131 16.1118C35.2019 16.1973 36.3828 15.8524 37.3603 15.1344V11.073C36.4505 11.779 35.3558 12.1713 34.2263 12.1961C33.1948 12.2257 32.198 11.8027 31.4739 11.0281C30.7497 10.2535 30.3632 9.19685 30.4068 8.11047C30.3706 7.02121 30.7578 5.96358 31.4788 5.18208C32.1997 4.40058 33.192 3.96287 34.2263 3.97015C35.3567 4.01174 36.4489 4.41161 37.3603 5.11754V5.14182Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.673615V16.0328H4.00964L4.03845 10.1563H7.93863V6.60483H4.06149L4.03845 4.22506H8.23244V0.673615H0Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M21.9092 16.0328H25.9188V0.673615H21.9092V16.0328Z" fill="currentColor"></path></g></svg></div><span class="fdic-text">FDIC-Insured - Backed by the full faith and credit of the U.S. Government</span></div></div></div></div><div class="header-swoop d-none d-lg-block" aria-hidden="true"><img src="/assets/img/swoop.svg" alt="Header swoop graphic" aria-hidden="true"></div></header> <nav class="navbar" aria-label="Primary"><div class="collapse navbar-collapse text-center pb-3 pb-lg-0" id="navbar-collapse"><div class="container"><div class="mx-2 pt-2 pb-1 mobile-menu-header text-left d-lg-none">Menu</div><ul class="banno-menu menu-a41f8920-bdf8-11e9-b9cc-024250647e5c"> 189 <li class="dropdown menu-category">
190 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Personal</span> 191 <ul class="dropdown-menu"> 192 <li class="dropdown menu-group"> 193 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Everyday Banking</span> 194 <ul class="dropdown-menu"> 195 <li class="menu-internal"> 196 <a href="/personal/checking-account">Checking </a> 197 198 </li><li class="menu-internal"> 199 <a href="/personal/infocus-checking">InFocus Checking</a> 200 201 </li><li class="menu-internal"> 202 <a href="/personal/compare-checking-accounts">Compare Checking Accounts</a> 203 204 </li> 205 </ul> 206 </li><li class="dropdown menu-group"> 207 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Savings & Growth</span> 208 <ul class="dropdown-menu"> 209 <li class="menu-internal"> 210 <a href="/personal/savings-account">Savings </a> 211 212 </li><li class="menu-internal"> 213 <a href="/personal/money-market-account">Money Market</a> 214 215 </li><li class="menu-internal"> 216 <a href="/personal/cds">CDs & IRAs</a> 217 218 </li><li class="menu-internal"> 219 <a href="/personal/hsa">Health Savings Account</a> 220 221 </li> 222 </ul> 223 </li><li class="dropdown menu-group"> 224 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Home Financing</span> 225 <ul class="dropdown-menu"> 226 <li class="dropdown menu-internal"> 227 <a href="/personal/mortgage-loans" class="dropdown-toggle">IncredibleMortgage</a> 228 <ul class="dropdown-menu"> 229 <li class="menu-internal"> 230 <a href="/personal/mortgage-first-time-homebuyer">First-Time Homebuyer</a> 231 232 </li><li class="menu-internal"> 233 <a href="/personal/buying-a-home"> Purchasing </a> 234 235 </li><li class="menu-internal"> 236 <a href="/personal/mortgage-construction-loans">Construction Loans</a> 237 238 </li><li class="menu-internal"> 239 <a href="/personal/mortgage-home-improvement">Home Improvement Loans</a> 240 241 </li><li class="menu-internal"> 242 <a href="/personal/mortgage-refinance">Refinance </a> 243 244 </li> 245 </ul> 246 </li> 247 </ul> 248 </li><li class="dropdown menu-group"> 249 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Personal Borrowing</span> 250 <ul class="dropdown-menu"> 251 <li class="menu-internal"> 252 <a href="/personal/credit-cards">Credit Cards</a> 253 254 </li><li class="menu-internal"> 255 <a href="/motorcoach-loans">Motorcoach</a> 256 257 </li><li class="menu-internal"> 258 <a href="/personal/personal-loans">Personal Loans</a> 259 260 </li> 261 </ul> 262 </li><li class="dropdown menu-group"> 263 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Plan & Grow</span> 264 <ul class="dropdown-menu"> 265 <li class="menu-internal"> 266 <a href="/incrediblewealth"> 267 IncredibleWealth</a> 268 269 </li> 270 </ul> 271 </li> 272 </ul> 273 </li><li class="dropdown menu-category"> 274 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Business</span> 275 <ul class="dropdown-menu"> 276 <li class="menu-internal"> 277 <a href="/business/banking">Business Banking</a> 278 279 </li><li class="menu-internal"> 280 <a href="/incrediblewealth"> 281 IncredibleWealth</a> 282 283 </li><li class="dropdown menu-group"> 284 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Bank Accounts</span> 285 <ul class="dropdown-menu"> 286 <li class="menu-internal"> 287 <a href="/business/checking">Business Checking</a> 288 289 </li><li class="menu-internal"> 290 <a href="/business/nonprofits">Nonprofit Banking</a> 291 292 </li><li class="menu-internal"> 293 <a href="/business/savings">Money Market</a> 294 295 </li> 296 </ul> 297 </li><li class="dropdown menu-internal"> 298 <a href="/business/cash-management-solutions" class="dropdown-toggle">Cash Management</a> 299 <ul class="dropdown-menu"> 300 <li class="menu-internal"> 301 <a href="/business/send-and-receive-money">Send & Receive Money</a> 302 303 </li><li class="menu-internal"> 304 <a href="/business/protect-money">Protect Money</a> 305 306 </li><li class="menu-internal"> 307 <a href="/business/credit-cards">Credit Cards</a> 308 309 </li> 310 </ul> 311 </li><li class="dropdown menu-group">
312 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Loans and Lines</span> 313 <ul class="dropdown-menu"> 314 <li class="menu-internal"> 315 <a href="/business/business-term">Business Term</a> 316 317 </li><li class="menu-internal"> 318 <a href="/business/commercial-construction">Commercial Construction</a> 319 320 </li><li class="menu-internal"> 321 <a href="/business/commercial-real-estate">Commercial Real Estate</a> 322 323 </li><li class="menu-internal"> 324 <a href="/business/floor-plan-lending">Floor Plan Lending</a> 325 326 </li><li class="menu-internal"> 327 <a href="/business/business-line-of-credit">Lines of Credit</a> 328 329 </li><li class="menu-internal"> 330 <a href="/motorcoach-loans">Motorcoach Financing</a> 331 332 </li><li class="menu-internal"> 333 <a href="/business/usda-loans">USDA Loans</a> 334 335 </li><li class="menu-external"> 336 <a href="https://smartpay.profitstars.com/expressbd/IncredibleBank%20SmartPay?returnUrl=https%3A%2F%2Fsmartpay.profitstars.com%3A443%2Fexpressbd%2FIncredibleBank%2520SmartPay%2FBillerDirect%2FIndex%2F8028877&locationId=8028877" target="_blank">Make a One-Time Loan Payment</a> 337 338 </li> 339 </ul> 340 </li><li class="dropdown menu-group"> 341 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Popular Links</span> 342 <ul class="dropdown-menu"> 343 <li class="menu-internal"> 344 <a href="/mobile-banking-user-guide">Mobile & Online Banking User Guide</a> 345 346 </li><li class="menu-internal"> 347 <a href="/fraud-and-cybersecurity">Fraud & Cybersecurity</a> 348 349 </li><li class="menu-internal"> 350 <a href="/mobile-banking">Digital Banking</a> 351 352 </li><li class="menu-internal"> 353 <a href="/financial-calculators">Financial Calculators</a> 354 355 </li><li class="menu-internal"> 356 <a href="/news-and-articles/how-to-get-a-small-business-loan">How to Get a Small Business Loan</a> 357 358 </li><li class="menu-internal"> 359 <a href="/business/checking">Open a Checking Account</a> 360 361 </li><li class="menu-external"> 362 <a href="https://www.incrediblebank.com/assets/files/1uIZUADz/Personal_Financial_Statement%20-%20012622.pdf">Personal Financial Statement</a> 363 364 </li> 365 </ul> 366 </li> 367 </ul> 368 </li><li class="menu-internal"> 369 <a href="/sba">SBA</a> 370 371 </li><li class="dropdown menu-internal"> 372 <a href="/about-us" class="dropdown-toggle">About Us</a> 373 <ul class="dropdown-menu"> 374 <li class="menu-internal"> 375 <a href="/our-community/community-foundation">IncredibleBank Foundation</a> 376 377 </li><li class="menu-internal"> 378 <a href="/locations/find-branch-atm">Locations & ATMs</a> 379 380 </li><li class="menu-internal"> 381 <a href="/incredible-customer-experience">Incredible Customer Experience</a> 382 383 </li><li class="menu-internal"> 384 <a href="/careers">Careers</a> 385 386 </li><li class="menu-external"> 387 <a href="https://secure7.saashr.com/ta/6208401.careers?CareersSearch=&lang=en-US" target="_blank">Current Openings</a> 388 389 </li><li class="menu-internal"> 390 <a href="/our-community/leadership">Leadership</a> 391 392 </li> 393 </ul> 394 </li><li class="menu-internal"> 395 <a href="/blog">Blog</a> 396 397 </li><li class="dropdown menu-category"> 398 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Locations & ATM</span> 399 <ul class="dropdown-menu"> 400 <li class="menu-internal"> 401 <a href="/locations/find-branch-atm">Find Branch / ATM</a> 402 403 </li><li class="menu-external"> 404 <a href="https://www.incrediblebank.com/locations/enhanced-atms">Enhanced ATMs</a> 405 406 </li> 407 </ul> 408 </li><li class="dropdown menu-group"> 409 <span role="button" aria-expanded="false" class="group-item" tabindex="0">Resources</span> 410 <ul class="dropdown-menu"> 411 <li class="menu-internal"> 412 <a href="/mobile-banking">Digital Banking</a> 413 414 </li><li class="menu-internal"> 415 <a href="/resources/business-online-banking-tutorials">Business Online Banking Tutorials</a> 416 417 </li><li class="menu-internal"> 418 <a href="/financial-calculators">Calculators</a> 419 420 </li><li class="menu-internal"> 421 <a href="/mobile-banking-user-guide">Mobile & Online Banking User Guide</a> 422 423 </li><li class="menu-internal"> 424 <a href="/fraud-and-cybersecurity">Fraud & Cybersecurity</a> 425 426 </li> 427 </ul> 428 </li><li class="menu-internal"> 429 <a href="/contact">Contact Us</a> 430 431 </li> 432 </ul><div class="login-search-container d-lg-none mx-2"><div class="pt-2"><button class="btn btn-default mobile-toggle-login">Login</button></div><div class="pt-2 text-left"><a href="https://open.incrediblebank.com" class="btn btn-primary header-button">Become a Customer</a></div><div class="pt-2 text-left"><a mporgnav="" class="user-locale btn btn-default header-button" href="#" onclick="return chooser();function chooser(){var e=document.createElement("SCRIPT");return e.src="https://incrediblebankcom.mpeasylink.com/mpel/mpel_chooser.js",document.body.appendChild(e),window.scroll({top:0,left:0,behavior:"smooth"}),!1}" title="Global Switch">Choose Language</a></div><div class="py-2"><form id="mobileSearch" action="/search" data-parsley-validate=""><fieldset><legend class="sr-only">Mobile Search Form</legend><label for="mobileSearchQuery" class="sr-only">Search Query</label> <input type="text" class="mobileSearch__input" name="q" id="mobileSearchQuery" placeholder="Search" required=""> <button type="submit" class="mobileSearch__button"><span class="icon icon-search" aria-hidden="true"></span> <span class="sr-only">Submit Search</span></button></fieldset></form></div></div></div></div></nav></div><div id="main" tabindex="-1" role="main"><div class="breadcrumb__container bg-light"><div class="container"><ul class="breadcrumb m-0" aria-label="Breadcrumb trail"><li><a href="/articles">Articles</a> <span class="icon icon-arrow-left" aria-hidden="true"></span></li><li>How to Get a Small Business Loan</li></ul></div></div> <div class="sub-hero hero loader grid-lines mb-3 relative"><span class="loading" aria-hidden="true"><span class="loading-inner"></span></span><div class="load-watch"><div class="sub-hero-inner relative"><div class="sub-image"><div data-content-block="hero1image" data-content="content" data-editable="editable" class="content"> <div><img alt="" src="/assets/files/dPKciIr0/how-to-get-a-sba-loan.jpg" image-id="dPKciIr0"></div> </div></div><div class="sub-content d-flex flex-row align-content-center justify-start align-items-center"><div class="container"><h1 class="page-title">How to Get a Small Business Loan</h1><div data-content-block="hero1content" data-content="content" data-editable="editable" class="content sub-text remove-blank"> <div> 433<p>Whether youâre an existing business owner with years under your belt or an entrepreneur getting your start-up off the ground, you may have a need for a small business loan.</p> 434<p>While every loan will be a little different, here are some of the things youâll need.</p> 435</div> </div></div></div><div class="articleShare__container"><div class="d-flex justify-content-center align-items-center align-content-center"><div class="share-button pr-1"><div class="inside share-linkedin"><a href="https://www.linkedin.com/company/incrediblebank/%2Fnews-and-articles/how-to-get-a-small-business-loan" title="Share on LinkedIn" target="_blank"><span class="icon icon-linkedin" aria-hidden="true"></span> <span class="sr-only">LinkedIn</span></a></div></div><div class="share-button pr-1"><div class="inside share-facebook"><a href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fincrediblebank.com%2Fnews-and-articles/how-to-get-a-small-business-loan" title="Share on Facebook" target="_blank"><span class="icon icon-facebook" aria-hidden="true"></span> <span class="sr-only">Facebook</span></a></div></div><div class="share-button pr-1"><div class="inside share-twitter"><a href="https://twitter.com/share?url=https%3A%2F%2Fincrediblebank.com%2Fnews-and-articles/how-to-get-a-small-business-loan" title="Share on X" target="_blank"><span class="icon icon-twitterx" aria-hidden="true"></span> <span class="sr-only">X</span></a></div></div><div class="share-button"><div class="inside share-more"><a href="#shareModal" title="More Share Options" class="toggle-share" data-toggle="modal" data-target="#shareModal"><span class="icon icon-plus" aria-hidden="true"></span> <span class="share-text">More</span></a></div></div></div></div></div></div></div><div class="subpage-content mw-750"><div class="container"><div class="row"><div class="col"><div class="content" data-content-block="bodyCopy1" data-content="content" data-editable="editable"> <h2 style="color: #118f87;"><strong>Relationships First</strong></h2> 436<p>Most banks will be like your significant other â theyâll ask for monogamy.</p> 437<p>In other words, if youâre looking for a loan with us, weâll want your whole banking relationship, including your deposit accounts.</p> 438<p><em><strong>Why?</strong></em></p> 439<p>First, itâs easier for you. You can log into your online or <a href="/mobile-banking" data-link-id="/mobile-banking" data-link-type-id="page" class="" data-disclaimer-id="null" target="_blank" rel="noopener">mobile banking</a> and see everything from your loans to your <a href="/business/checking" data-link-id="/business/checking" data-link-type-id="page" class="" data-disclaimer-id="null" target="_blank" rel="noopener">checking accounts</a> to your <a href="/business/credit-cards" data-link-id="/business/credit-cards" data-link-type-id="page" class="" data-disclaimer-id="null" target="_blank" rel="noopener">credit cards</a>. Gone are the days of hopping from one bank to the next to see your entire business financial picture.</p> 440<p>Plus, it often comes with better terms on both the deposit and loan side. Business loans are priced based in part on relationship, along with other factors such as creditworthiness, etc. If loans are the big trips you take with your significant other, deposits are a bit like dating â theyâre how we get to know each other.</p> 441<p>Finally, when we have your entire relationship, itâs easier for us to make lending decisions because we can see your entire financial situation clearly. That means less paperwork for you!</p> 442<p><strong> </strong></p> 443<h2 style="color: #118f87;"><strong>Documentation</strong></h2> 444<p>Next, as youâd imagine, we need to gather some documentation to provide your business with a loan.</p> 445<p>Think of your bank as an investor in your business. When we request documentation, itâs so we can feel confident in our investment.</p> 446<p>There are three major categories of documentation weâll need: documentation that shows us that youâre a business, documentation that shows us that you can pay the loan back, and the application.<br><br></p> 447<h3 style="color: #424956;"><strong>Show us You're a Business</strong></h3> 448<p>Before doing business with your business, we have to be sure youâre a business.</p> 449<p>Phew. Thatâs a mouthful.</p> 450<p>If you already bank with us, weâll likely already have what we need (see, much easier when we have your whole relationship!), but if not, weâll needâ¦<br><br></p> 451<h4 style="color: #eb6e1f;"><span class="big"><strong>Your Tax ID</strong></span></h4> 452<p>If youâre a sole proprietor, you are able to use your social security number. However, <a href="https://www.nerdwallet.com/article/small-business/benefits-of-getting-an-ein">even if you arenât required to have an EIN now</a>
452, as your business grows, you may need one down the road, so you may want to get one sooner rather than later.<br><br></p> 453<h4 style="color: #eb6e1f;"><span class="big"><strong>Establishing Documents</strong></span></h4> 454<p>If youâre forming a corporation, you will need Articles of Incorporation. Articles of Incorporation serve to establish your corporation.</p> 455<p>If youâre forming an LLC, you will need Articles of Organization. Articles of Organization serve to establish your LLC.<br><br></p> 456<h4 style="color: #eb6e1f;"><span class="big"><strong>Proof that your business is registered with your state</strong></span></h4> 457<p>All businesses must be registered with the state in which the business resides. To register, youâll need your tax ID and Articles as mentioned above.<br><br></p> 458<h4 style="color: #eb6e1f;"><span class="big"><strong>Operating Agreement/Bylaws</strong></span></h4> 459<p>Your businessâ operating agreement and bylaws lay out the structure of the business as well as the membersâ duties, rights, and responsibilities as it relates to the operations and finances of the business.</p> 460<p><br></p> 461<h3 style="color: #424956;"><strong>Show us You Can Pay Back the Loan</strong></h3> 462<p>Next, weâll want to gather documentation that shows us you can pay back the loan. What you will need to show us will vary from situation to situation, but here is what you can generally expect to be asked to produce to your lender.<br><br></p> 463<h4 style="color: #eb6e1f;"><span class="big"><strong>Financials</strong></span></h4> 464<p>For a new business, weâll want to see your business projections. Donât worry â we understand this is a bit of a guessing game, but this helps us see your expected revenue and expenses. Be sure to include the assumptions you used to develop your projections.</p> 465<p>For an existing business, weâll want to see your historical financials. This could take the form of tax returns or internal accounting software reports. In addition, seeing your deposit account statements also helps us understand your business financials.</p> 466<p>If the loan is for growth, expansion, new equipment, or a major change to your business, we may also ask for one to three years of projections for existing businesses as well.<br><br></p> 467<h4 style="color: #eb6e1f;"><span class="big"><strong>Collateral</strong></span></h4> 468<p>Collateral to secure the loan is important, and while we donât want to see it as your first (or even second) way of demonstrating your ability to repay your loan, weâll want to see some details on the collateral, such as an appraisal, depreciation schedule, or detailed list of equipment.</p> 469<p>Keep in mind that your lender will take the discounted value of the collateral into account for the purposes of the loan. In other words, the value of your equipment typically goes down over time, and your lender will consider the value after depreciation as the value of the collateral for the purposes of the loan.<br><br></p> 470<h4 style="color: #eb6e1f;"><span class="big"><strong>Personal Financial Statement</strong></span></h4> 471<p>Your <a href="/assets/files/1uIZUADz" data-link-id="" data-link-type-id="file" class="" data-disclaimer-id="null" target="_blank" rel="noopener">Personal Financial Statement</a> is the balance sheet on your household. It shows us your personal financial strength, including your liquidity and personal collateral.<br><br></p> 472<h4 style="color: #eb6e1f;"><span class="big"><strong>Personal Guarantee</strong></span></h4> 473<p>In this guarantee, you state that you back the loan should the business fail (not that we think it will, of course ð). This step demonstrates to the bank that you personally back the business, giving us more confidence in our decision to invest in your business.<br><br></p> 474<h3 style="color: #424956;"><strong>Apply for the Loan</strong></h3> 475<p>Next, of course, is the actual application. As with any loan, the application tells us the details of what youâre looking for and why. Itâs the official request for the loan.<br><br></p> 476<p style="text-align: center;"><a href="/business-loan-inquiry" data-link-id="/business-loan-inquiry" data-link-type-id="page" class="btn btn-default " data-disclaimer-id="null" target="_self">Get Started</a></p> 477<p><br></p> 478<h2 style="color: #118f87;"><strong>Your Lender Has Your Back</strong></h2> 479<p>It all sounds pretty complicated â from taxes to articles to financials to collateral, a lot goes into a small business loan.</p> 480<p>But with a <a rel="noopener" target="_blank" data-disclaimer-id="null" class="" data-link-type-id="url" data-link-id="" href="/sba#SBA_Team">good lender</a> (and we have quite a few here at IncredibleBank), youâll also have an advisor that will guide you through the process.</p> 481<p>And that lender wonât just be there to close the loan, but throughout the life of your business. We may never know your business as well as you do (you do live it, after all), but we <em>do</em> know business banking. Working together, we can support your goals throughout the life of your business.</p> 482<p><br></p> 483<p><span class="smallest"><em>*All loan programs are subject to credit approval and have eligibility criteria that must be met.</em></span></p> </div></div></div></div></div><div class="blogPreview__container remove-blank"><div class="blogPreview__top bg-light relative remove-blank"><div class="dropshadow-top" aria-hidden="true"></div><div class="container"><div class="content text-center py-2 mw-880" data-content-block="blogPreviewHeader" data-content="content" data-editable="editable"> <div><br></div> </div></div></div><section class="blogPreview__bottom p-4 bg-white mw-1050 remove-blank"><div class="d-md-flex justify-content-center align-items-stretch"><article class="border-md-right px-2 col-md-4 mb-3 mb-md-0"><div data-content-block="blogPreview1" data-content="content" data-editable="editable"> <div><br></div> </div></article><article class="border-md-right px-2 col-md-4 mb-3 mb-md-0"><div data-content-block="blogPreview2" data-content="content" data-editable="editable"> <div><br></div> </div></article><article class="px-2 col-md-4 mb-3 mb-md-0"><div data-content-block="blogPreview3" data-content="content" data-editable="editable"> <div><br></div> </div></article></div><div class="pt-4 text-center blogPreview__cta"><div data-content-block="blogPreviewCta" data-content="content" data-editable="editable"> <div><br></div> </div></div></section></div> </div><footer class="footer" id="footer"><div class="footer-header py-5"><div class="container"><div class="d-lg-flex justify-content-between align-items-stretch align-content-start"><div class="d-block d-lg-none px-3 pl-lg-0 mb-3 mb-lg-0"><div class="d-flex justify-content-start justify-content-md-start align-item-center"><div class="pr-2"><button class="toggle-login btn btn-mini btn-primary footer-toggle-login"><span class="button-text">Log In</span><span class="close-text">Close</span><span class="icon icon-lock" aria-hidden="true"></span></button></div></div></div><div class="footer-nav-1 px-3 pl-lg-0 mb-3 mb-lg-0 col-xl-4 col-lg-4"><ul class="banno-menu menu-a41ffe52-bdf8-11e9-b9cc-024250647e5c"> 484 <li class="dropdown menu-category">
485 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Customer</span> 486 <ul class="dropdown-menu"> 487 <li class="menu-internal"> 488 <a href="/locations/find-branch-atm">ATM & Branch Locator</a> 489 490 </li><li class="menu-internal"> 491 <a href="/contact">Contact Us</a> 492 493 </li><li class="menu-internal"> 494 <a href="/rates">Rates</a> 495 496 </li><li class="menu-internal"> 497 <a href="/holiday-calendar">Holiday Calendar </a> 498 499 </li><li class="menu-internal"> 500 <a href="/fraud-and-cybersecurity">Fraud & Cybersecurity</a> 501 502 </li><li class="menu-external"> 503 <a href="https://www.depositorcontrol.com/login">Depositor Control</a> 504 505 </li><li class="menu-internal"> 506 <a href="/financial-calculators">Financial Calculators</a> 507 508 </li><li class="menu-internal"> 509 <a href="/lost-or-stolen-card">Lost or Stolen Card</a> 510 511 </li><li class="menu-external"> 512 <a href="https://www.incrediblebank.com/assets/files/lwl5GPOd/Direct%20Deposit%20Form_10-2025_fillable.pdf" target="_blank">Direct Deposit Request Form</a> 513 514 </li><li class="menu-internal"> 515 <a href="/insurance-claim" target="_blank">Insurance Claim</a> 516 517 </li><li class="menu-internal"> 518 <a href="/secure-upload">Secure Upload</a> 519 520 </li><li class="menu-external"> 521 <a href="/assets/files/CU69pju5/Wire Instructions 2.pdf" target="_blank">Wire Instructions</a> 522 523 </li><li class="menu-external"> 524 <a href="/assets/files/0nV9cDjd/2025 Compliance and Security Bulletin.pdf" target="_blank">ACH Originator Bulletin</a> 525 526 </li><li class="menu-external"> 527 <a href="https://smartpay.profitstars.com/business/login/incrediblebank" target="_blank">SmartPay Manager</a> 528 529 </li> 530 </ul> 531 </li> 532 </ul></div><div class="footer-nav-2 px-3 pl-lg-5 mb-3 mb-lg-0 col-xl-5 col-lg-4"><ul class="banno-menu menu-a41ffe5b-bdf8-11e9-b9cc-024250647e5c"> 533 <li class="dropdown menu-category"> 534 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Company Information</span> 535 <ul class="dropdown-menu"> 536 <li class="menu-internal"> 537 <a href="/about-us">About Us</a> 538 539 </li><li class="menu-internal"> 540 <a href="/careers">Careers</a> 541 542 </li><li class="menu-internal"> 543 <a href="/our-community/leadership">Leadership</a> 544 545 </li><li class="menu-internal"> 546 <a href="/nmls-numbers">NMLS Numbers</a> 547 548 </li><li class="menu-internal"> 549 <a href="/sitemap">Sitemap</a> 550 551 </li> 552 </ul> 553 </li> 554 </ul><div class="sub-footer-links"><ul class="banno-menu menu-a41ffe5f-bdf8-11e9-b9cc-024250647e5c"> 555 <li class="dropdown menu-category"> 556 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Terms and Policies</span> 557 <ul class="dropdown-menu"> 558 <li class="menu-external"> 559 <a href="https://www.incrediblebank.com/assets/files/xvQx5KxC/Deposit%20Account%20Agreement%20FINAL.pdf" target="_blank">Deposit Account Agreement</a> 560 561 </li><li class="menu-external"> 562 <a href="https://www.incrediblebank.com/assets/files/CgfMo86N/IB%20Overdraft%20Education.pdf">Overdraft Education</a> 563 564 </li><li class="menu-internal"> 565 <a href="/privacy" target="_blank">Privacy</a> 566 567 </li><li class="menu-external"> 568 <a href="https://www.incrediblebank.com/assets/files/zqost0qT/Schedule of Fees 2024.pdf" target="_blank">Schedule of Fees - Personal Accounts</a> 569 570 </li><li class="menu-external"> 571 <a href="https://www.incrediblebank.com/assets/files/flNCzpj5/Business Schedule of Fees - Effective Jan 5 2026.pdf" target="_blank">Schedule of Fees â Business Accounts</a> 572 573 </li> 574 </ul> 575 </li> 576 </ul></div></div><div class="footer-badges px-3 pl-lg-5 pr-lg-0 mb-3 mb-lg-0 col-xl-3
576col-lg-4"><div class="d-none d-lg-block"><div class="d-flex justify-content-start justify-content-md-start align-item-center"><div class="pr-2"><button class="toggle-login btn btn-mini btn-primary footer-toggle-login"><span class="button-text">Log In</span><span class="close-text">Close</span><span class="icon icon-lock" aria-hidden="true"></span></button></div></div></div><div><div class="d-flex justify-content-start align-item-center align-content-center mt-4 mb-4"><div class="pr-2 ehl-fdic-wrapper"><span class="ehl-fdic"><img src="/assets/img/ehl-fdic.png" alt="Equal Housing Lender / FDIC Insured"></span></div><div class="pr-2"><a href="https://www.sba.gov/" title="Small Business Administration"><span class="sba"><img src="/assets/img/sba-logo.png" alt="Powered by SBA"></span></a></div><div></div></div><div class="footer-routing text-left">Routing # 075911742</div></div></div></div></div><div class="white-swoop invert" aria-hidden="true"><img src="/assets/img/swoop-right-bottom-white.svg" alt="White Swoop Graphic"></div></div><div class="footer-top p-3"><div class="container"><div class="d-md-flex justify-content-between align-items-center align-content-center"><div class="text-center text-md-left col-md-3 p-0"><div class="d-flex justify-content-center align-items-end justify-content-md-start social-links mb-2 mb-md-0"><div class="pr-1"><a href="https://www.facebook.com/IncredibleBank/" title="Facebook"><span class="icon icon-facebook" aria-hidden="true"></span><span class="sr-only">Facebook</span></a></div><div class="pr-1"><a href="https://www.linkedin.com/company/incrediblebank" title="LinkedIn"><span class="icon icon-linkedin" aria-hidden="true"></span><span class="sr-only">LinkedIn</span></a></div><div class="pr-1"><a href="https://twitter.com/IncredibleBank" title="X"><span class="icon icon-twitterx" aria-hidden="true"></span><span class="sr-only">X</span></a></div><div class=""><a href="https://www.instagram.com/incrediblebank/" title="Instagram"><span class="icon icon-instagram" aria-hidden="true"></span><span class="sr-only">Instagram</span></a></div></div></div><div class="footer-logo text-center col-md-6"><a href="/" title="HOME" class="d-block"><img src="/assets/img/incrediblebank-logo-white-r.png" alt="IncredibleBank"></a></div><div class="p-1 col-md-3 d-none d-md-block"> </div></div></div></div><div class="footer-bottom"><div class="container"><div class="text-center p-1"><div class="copyright"><span class="copytext">© <span class="copy-date"></span> IncredibleBank | All Rights Reserved</span></div></div></div></div></footer><div class="modal fade content-modal" id="shareModal" tabindex="-1" role="dialog"><div class="modal-dialog"><div class="modal-content"><div class="modal-header"><div class="modal-title"><h2>Share Options</h2><p><em>How to Get a Small Business Loan</em></p></div></div><div class="modal-body"><div><a href="mailto:?body=https%3A%2F%2Fincrediblebank.com%2Fnews-and-articles/how-to-get-a-small-business-loan&subject=Incredible%20Bank%20Article:%20How to Get a Small Business Loan" title="Email This">Email Article</a></div><div><a href="https://www.reddit.com/submit?url=https%3A%2F%2Fincrediblebank.com%2Fnews-and-articles/how-to-get-a-small-business-loan%2F%23.XV7MgYGPkkQ.reddit&title=Incredible%20Bank%20Article:%20How to Get a Small Business Loan%2F" title="Share on Reddit">Reddit</a></div></div><div class="modal-footer"><button type="button" class="btn btn-default" data-dismiss="modal">Close</button></div></div></div></div></div>
576<script src="/assets/js/jquery.min.js"></script>
576<script defer="defer" src="/assets/js/script.min.js?v=1772225153468"></script>
576<script>MP.UrlLang="mp_js_current_lang",MP.SrcUrl=decodeURIComponent("mp_js_orgin_url"),MP.oSite=decodeURIComponent("mp_js_origin_baseUrl"),MP.tSite=decodeURIComponent("mp_js_translated_baseUrl"),MP.init()</script>
576<script src="/assets/target/disclaimers.js?bh=ffeec6" id="disclaimerscript" defer="defer" proceed="Proceed" cancel="Cancel"></script>
576<script type="text/javascript"> 577 (function (serve, h, s) { 578 window.kernel = window.kernel || function () { (window.kernel.q = window.kernel.q || []).push(arguments); }; 579 h = document.getElementsByTagName("head")[0]; s = document.createElement("script"); s.src = "https://"+serve+"/kernel.js"; s.async = 1; h.appendChild(s); 580 })("kernel-serve.banno.com"); 581 kernel("create", "54611ff0-6c46-11e5-829f-3c15c2cdd5dc"); 582 kernel("visit" );kernel("addClickthroughListeners", []);kernel("associate", [{"loginFormId":"olbLogin","usernameField":"username"}]); 583 </script>
583<script nomodule="nomodule" type="text/javascript"> 584 585 function ieWarning() { 586 document.body.setAttribute("style", "padding-bottom: 120px;"); 587 var warning = document.createElement("section"); 588 warning.setAttribute("class", "ie-disclaimer"); 589 warning.setAttribute("style", "background-color: #000; color:#fff; padding: 10px 40px; position: fixed; bottom: 0; z-index: 1040; height: 120px;"); 590 warning.setAttribute("aria-label", "Important notice regarding browser support"); 591 var warningContent = 'Please note: As of February 15, 2022, this website will no longer function with this browser' + 592 ' version. This website was built to support the use of modern browsers. The browser that you are currently using' + 593 ' is no longer fully supported by Microsoft and is not considered a modern browser. To use this site, please open' + 594 ' in a modern browser like Google Chrome, Firefox, Safari, or a currently supported version of Microsoft Edge.'; 595 warning.innerHTML = warningContent; 596 var firstElement = document.body.children[0]; 597 document.body.insertBefore(warning, firstElement); 598 } 599 window.addEventListener("load", ieWarning); 600 601 </script>
601 602 603 604 605 <!-- Google Tag Manager (noscript) -->
vendor: 68 bytes, lines 605-606
605 606<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
606GTM-TG5H4W
vendor: 83 bytes, lines 606-607
606" 607height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
608<!-- End Google Tag Manager (noscript) --> 609 610<!--mp_easylink_begins-->
611<script type="text/javascript" id="mpelid" 612src="//incrediblebankcom.mpeasylink.com/mpel/mpel.js" async></script>
612 613<!--mp_easylink_ends--></body></html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.