Lines of Credit

Empowering Your Business Operations

A business line of credit from Capitol Bank offers unparalleled flexibility, a feature that traditional term loans can't always provide. A line of credit allows you to draw and repay funds as needed, up to your credit limit. This flexibility is key in managing the dynamic financial needs of your business.

Tailored Solutions for Cash Flow Management

At Capitol Bank, we understand that cash flow is the lifeblood of your business. Our business lines of credit are designed to give you the freedom to manage working capital as your business evolves.

Whether it's purchasing extra inventory, accommodating an unexpected hire, or managing accounts receivable, our line of credit is a reliable safety net. These financial tools are particularly useful in addressing delays in collections or payment issues, ensuring your business operates smoothly.

Personalized Guidance and Support

Recognizing that cash flow challenges are unique to each business, our commercial lenders engage in a thorough process to understand and address your needs. This includes:

A comparative analysis of your historical financials.
An in-depth conversation about the internal dynamics driving your need for working capital.
Collaborative brainstorming to find the most suitable solution, whether it's a line of credit or another type of loan.

Capitol Bank is committed to the growth and success of our community's businesses. We offer both secured and unsecured lines of credit to meet the ongoing revolving credit needs of your business. Reach out to us to explore how we can help you navigate your business's financial journey with confidence and ease.

Commercial Lenders

Our commercial lending team knows the Dane County business landscape. We’re here to be a resource for your business. We will gain a deep understanding of your business needs, big or small, to ensure we’re providing the most appropriate solutions.

Tammy Fanning AVP Treasury Management & Business Development 608-836-4225 Email Tammy

Tammy Fanning
AVP Treasury Management & Business Development
608-836-4225 Email Tammy

Tammy has over 30 years of banking experience and has devoted her time to several philanthropic causes during her career. She is an active member of the community, having served as a Janesville Noon Rotary Board Member, Family Services of Southern Wisconsin and Northern Illinois Board Member, and American Heart Association Executive Leadership Team.

She enjoys volunteering in the community, golfing, waterskiing, running, biking, traveling, and spending time with family.

Kari Harpold Treasury Management Officer 608-836-4114 Email Kari NMLS ID: 1253622

Kari Harpold
Treasury Management Officer NMLS ID: 1253622
608-836-4114 Email Kari

Kari graduated from UW-Stevens Point with a bachelor’s degree in business administration and an emphasis in finance. She has more than 27 years of banking experience and a solid background in business banking. As Capitol Bank’s Treasury Management Officer, she believes in growing strong relationships with her customers and excels at helping new customers transition into the bank’s tailored solutions.

Kari serves as an ambassador for the Greater Madison Chamber of Commerce and volunteers with other local organizations, including Agrace Hospice Care and Friends of Monona Terrace.

A Middleton native, Kari now resides near Sauk City, along with her husband and two daughters. Together, they enjoy outdoor activities such as fishing, hunting, hiking and gardening.

Michael Johnston Senior Vice President Commercial Lender 608-836-4334 Email Michael

Michael Johnston
Senior Vice President Commercial Lender
608-836-4334 Email Michael

Michael received a Bachelor of Business Administration in finance from the University of Iowa. A Senior Vice President Commercial Lender at Capitol Bank, he has an extensive background in the financing of land development, hospitality buildings, multi-family units and retail commercial buildings.

Michael lives on the west side of Madison. He has two daughters, two Australian shepherds and five goldfish. His hobbies include traveling, golfing, hiking in the mountains and watching his daughter play soccer.

Jill Mack Vice President Private & Commercial Banking 608-836-4132 Email Jill NMLS ID: 553790

Jill Mack
Vice President Private & Commercial Banking NMLS ID: 553790
608-836-4132 Email Jill

Jill received a BBA in finance, investment and banking from UW School of Business and earned her wealth strategist certification from Cannon Financial Institute. As Vice President Private & Commercial Banking at Capitol Bank, she builds relationships and provides concierge-level service to businesses and professionals. She has been recognized as a Paul Harris Fellow by Rotary International.

Outside of the office, Jill serves as President-Elect of JDRF, an organization dedicated to finding a cure for Type 1 diabetes. For the past 20 years, she has volunteered as a board member with Friends of UW Health, a nonprofit organization that funds programs and services to improve the lives of patients and their families, and is a past Treasurer and former Co-chair of the Auction Committee.

Jill lives in Fitchburg with her husband and their two dogs. She has two grown children and loves gardening, biking, reading and cooking. A sports enthusiast, she watches hockey, basketball, baseball, and football, cheering on the Packers, Badgers, and Brewers.

Troy Mitchell Senior Vice President Commercial Lender 608-836-4241 Email Troy

Troy Mitchell
Senior Vice President Commercial Lender
608-836-4241 Email Troy

Troy received a degree in finance from Iowa State University and is an alumnus of Bank of America Capital Markets School. He is a 2014 graduate of Leadership Greater Madison. Troy’s professional history includes 34 years of advising businesses, including business transition financing for buyouts and buy-ins. He is a committee member of the Wisconsin Business Development and loan committee member of Madison Development Corporation.

Troy lives in Fitchburg, where he enjoys spending time with his wife and son, golfing, hunting and fishing.

David Robbins Market President-East 608-836-4331 Email David

David Robbins
Market President-East
608-836-4331 Email David

David received a bachelor’s degree in business administration and marketing from UW-Eau Claire and completed the Graduate School of Banking in 2009. Throughout his 20-plus years in banking, he has served in the capacity of commercial lending, branch management, retail banking, team leadership and various bank-wide initiatives. David is a member of the Wisconsin Power Partners networking group and a Chamber Ambassador for the Cottage Grove Chamber of Commerce.

He lives in the Madison area with his wife, two children and the family dog. He enjoys spending time outdoors, watching his kids’ sporting activities, coaching youth sports, golfing and kayaking.

Matt Roegner Senior Vice President Commercial Lender 608-836-4333 Email Matt

Matt Roegner
Senior Vice President Commercial Lender
608-836-4333 Email Matt

Matt received a bachelor’s degree in finance from the University of Iowa and is an alumnus of the Graduate School of Banking at the University of Oklahoma. He is also a graduate of the Kellogg School of Business, where he earned a degree in executive business management and leadership. His 38 years in banking spans the state of Wisconsin, Iowa and Illinois. A Senior Vice President Commercial Lender at Capitol Bank, Matt is especially adept at commercial lending in the areas of owner-occupied real estate, income-producing real estate, inventory/equipment financing and asset-based lending.

Matt’s community involvement spans such organizations as Keep Wisconsin Warm/Heat for Heroes, Lead United/United Way, YMCA, Rockford Area Economic Development Commission, Rockford Local Development Corporation, Growth Dimensions Economic Development, Illinois College of Medicine and Stateline Youth Sports Association.

Matt’s hobbies include golfing, boating, pheasant hunting, skiing, supper clubbing, bourbon collecting and traveling with his wife in support of their three adult children and spouses, who are spread out from coast to coast.

Why Choose Capitol Bank

EXPERIENCE

We’ve been offering business term loans for the entirety of our 28+ year history in Madison and Dane County. Our professional, friendly Commercial Lenders understand your particular industry and can assist in guiding you through the process of funding your business’s growth.

LOCAL DECISION MAKERS

As an independent local Madison owned community bank, you’ll have a relationship with the individuals managing your business term loan. You’re more than a number in our system. You are a member of the Greater Dane County and surrounding community. That means that your success is our success.

INCENTIVE STRUCTURE

Our Commercial Lenders are not paid on commission. Yes, they have annual goals. However, their incentive is building long-term relationships not acquiring loans for short term profits. This means they’re motivated to get to know you and your business and build a relationship based on trust and mutual understanding.

DEDICATED TEAM

Our Commercial Lenders manage our clients. Unlike some lending organizations, we don’t pass our relationships off to inexperienced staff who know you only on paper. You’ll have a dedicated team including the Commercial Lender as your key contacts from the onset of our relationship.