Commercial Lending

When it comes to a business loan for buying a building, new equipment, or even a line of credit, we’re here to help guide your business. With our flexible lines of credit and competitive term loans, we can provide you with the resources you need to help you make the most of every opportunity.

Hickory Point Bank is known through central Illinois for our commercial loan division’s conservative business philosophy, strong balance sheet and capitalization, and the expertise of its commercial bankers, who aspire to balance entrepreneurialism and discipline in service to clients.

Working with premier clients, our team has originated over $1 billion of commercial credit commitments since 2001. We work with small businesses and large businesses in the Decatur, Springfield, Champaign, Mt. Zion, and Forsyth, Illinois areas. So, whether you need a business loan or something else, we are here to help.

Schedule a virtual meeting today



Business Term Loans

  • Expand, purchase assets, upgrade equipment, and more
  • Take advantage of competitive fixed or variable interest rates
  • Funds are conveniently provided as an upfront lump sum


Lines of Credit

  • Ideal for working capital or handling seasonal fluctuations
  • Pay interest only on what you use, with no need to re-apply
  • Easily access funds by check or telephone transfer


Construction Loans

  • Take your commercial space from idea to execution
  • Enjoy competitive interest rates and flexible terms
  • Receive personalized service from our local experts


Mortgage Loans

  • Find a new home for your business or invest in income property
  • Enjoy our competitive rates with affordable, monthly payments
  • Central Illinois expertise with all commercial real estate needs


Letters of Credit

  • Guarantee a service or payments on large purchases
  • Receive a letter of credit for at least a 1-year term
  • Fee is based on face value amount of service or purchase