Small Business Loans
Grow your business with flexible loans and personalized support.
Financing That Works as Hard as You Do
Every business has its own story, challenges, and dreams. That’s why we offer financing options that actually fit the way you work – whether you’re just getting started, ready to grow, or keeping things running smoothly day to day. Let’s find the right solution for your business.
Small Business Loan Affordability Calculator
How much can your small business afford to borrow? Find out with this easy-to-use calculator.
The Support Your Business Deserves
When the right opportunity comes along, you need financing fast — and a lender who actually understands your business. That’s why local businesses trust ENB to help them move quickly and confidently.
- Tailored loans that meet your individual business needs
- A simplified process with no hoops to jump through
- Fast, local decision-making for your peace of mind
Business Checking
ENB business checking helps you manage day-to-day finances with less hassle, so you can focus on running your business. You’ll get convenient access to your money, helpful digital tools, and local support when questions come up. As a local bank, ENB takes the time to understand your business and the community you serve.
Learn More
Connect With Our Lenders
Get the guidance, knowledge, and high-touch support you deserve – from a lending partner that has served local families and organizations for generations.
Benjamin Floren
Consumer & Small Business Relationship Manager
NMLS #946466
Lucia Stahl
Consumer & Small Business Relationship Manager
NMLS #1861829
Kimberly Tillman
Consumer & Small Business Relationship Manager
NMLS #783582
Financial Know-How Starts Here
From managing cash flow to choosing the right accounts, explore insights and tips to help your business thrive.
Business Loans FAQs
- How much do you need to borrow?
- What’s an affordable monthly loan payment?
- How much time do you need to pay off the loan?
- Can you provide collateral?
- What borrowing costs (interest and fees) are you comfortable paying?
If you’re a sole proprietor, you may enjoy the simplicity of working independently and without a formal business structure. However, sole proprietors, as well as those who are launching a new business, often encounter obstacles when they need financing.
Fortunately, there are options that may work for you. Factors that will affect your eligibility for certain types of financing include your desired loan amount, assets you can use as collateral, and your personal qualifications as a borrower, such as your income, debts, and the strength of your credit.
Some eligible professionals may qualify for a business loan or line of credit, while others may choose a consumer loan or home equity financing to fund their business needs.
Your ENB lender can help you weigh the pros and cons of different loan options, so you can choose an option that fits your goals, finances, and comfort level.
- General business/personal information (including your Social Security number)
- Recent tax returns
- Recent bank statements
- Business financial statements (such as your balance sheet, cash flow statement, and profit and loss statement)
- Your up-to-date business plan
- Personal financial information
- Collateral-related documents (if a secured loan)
We get it. Many small-business owners have encountered a slow, complicated, or impersonal experience when dealing with other business lenders.
It’s different at Ephrata National Bank. Every day, our local lenders work one-on-one with business owners, answering their questions and helping with each step of the loan process. We’ll do the same for you.
After learning about you and your business, your small-business lender will help you find a financing solution that’s well-suited to your goals, financial needs (both personal and business), and your qualifications as a borrower. If one loan product isn’t a good fit, we explore options that may work better. Our team wants to see you succeed!
There are quite a few reasons. As a community bank, we know that each local business is unique, so we treat their financing needs accordingly. Our lenders aren’t constrained by a narrow range of financing products or one-size-fits-all loan structures.
Just as important, we get to know you and your business, so we can offer informed recommendations and tailored solutions based on your specific needs. It’s a level of insight and customization that you won’t find at a big bank or online lender.
Finally, community banks are deeply invested in their local economies. Just like you, ENB has a stake in our community, so we’re focused on helping local businesses to thrive. Connect with your local Small Business Relationship Manager to discuss ways we can help you. We can’t wait to get started.
