Lines of Credit

Our flexible financing option can help you manage cash flow efficiently with easy access to credit for short-term borrowing needs.

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.

Contact Us

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
Tammy Fanning AVP Treasury Management & Business Development 608-836-4225 Email Tammy
Kari Harpold
Kari Harpold Treasury Management Officer 608-836-4114 Email Kari NMLS ID: 1253622
Michael Johnston
Michael Johnston Senior Vice President Commercial Lender 608-836-4334 Email Michael
Jill Mack
Jill Mack Vice President Private & Commercial Banking 608-836-4132 Email Jill NMLS ID: 553790
Troy Mitchell
Troy Mitchell Senior Vice President Commercial Lender 608-836-4241 Email Troy
David Robbins
David Robbins Market President-East 608-836-4331 Email David
Matt Roegner
Matt Roegner Senior Vice President Commercial Lender 608-836-4333 Email Matt

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.

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