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We offer various terms with competitive rates to meet your needs...

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Did You Know?

• We offer direct deposit payroll services
• We have HSA's for your employees
• We offer qualified retirement plans
• We offer Business Credit Cards

Commercial Loan Products

Term Loans

Term Loans provide the necessary resources to enhance your competitive position without depleting working capital. Should you need financing for an acquisition or for an investment in your office, plant, machinery, or equipment, term loans from Northern Michigan Bank & Trust are flexible and can have interest rates that are either floating or fixed.

Revolving Lines of Credit

This financing option is available for businesses that have an ongoing need for working capital. Your credit line is established by the Bank and revolves throughout the year, allowing you to borrow when needed and repay part or all of the balance to manage the available credit and interest expense.

Letters of Credit

Sometimes, businesses need to provide a letter of credit to a vendor or third party as support for transactions, especially contractors and trucking companies. Northern Michigan Bank & Trust offers stand-by letters of credit to our customers.

Real Estate Loans

Whether you need funds for a renovation or to purchase a new building, lenders from Northern Michigan Bank & Trust are prepared to offer a variety of loan options.