Business owners have unique borrowing needs. For some, it's a short-term cash flow supplement. For others, it's lease financing for new equipment. No matter what your borrowing needs, Zemen Bank has the product for you.

Even better, all our loan decisions are made by local business representatives who understand the nuances of your business. With Zemen Bank, you'll get prompt answers and personalized service.

Loans

Term loan

These loans offer long-term financing for bigger investments, like plant expansion, equipment, fixed assets or capital improvements. Since you can lock in your rate, you'll know exactly what your monthly payment will be for the term. Fixed and variable rates are offered.

Commercial Real Estate Loan

We can help you improve, expand, refinance or purchase your commercial property. Loans are customized with a wide menu of finance options, including both fixed and variable rates. Whether you want to own your own space, build equity in your future, or expand and create the office you've
always dreamed of, Zemen bank can help.

Lines of credit

Revolving line of credit

A revolving line of credit can help you manage fluctuating cash flow, and it's great for short-term credit needs like seasonal purchases, operating expenses and working capital. We offer various rates and terms.

Small business line of credit

Every day brings new business challenges, so you need ready access to capital and the flexibility to seize opportunities when they arise. With this line of credit you get:

• Credit line of ETB 20,000 up to ETB 100,000, which allows for major purchases, such as inventory and equipment
• The option to revolve as little as 1% of the balance due, depending on the current needs of your business
• A better way to manage cash flow

Zemen Credit Sweep

The Zemen Credit Sweep for small businesses is a cost effective and efficient money management service that automatically transfers, or sweeps, cash between your Zemen line of credit and your checking account in ETB 10,000 increments. You can make advances to your checking account at a minimum of ETB 10,000.

Zemen Bank calculates the amount of collected funds in your checking account after all debits and credits have posted each day. Funds are automatically transferred to or from your line of credit to reach your predetermined target balance. You’ll receive a daily notice of advance or payment, containing daily transfer details and updated line of credit balances.

What are the benefits of Zemen Credit Sweep?

• Saves time and effort—funds are swept automatically
• Excess cash can be used to pay down balances on your line of credit
• ·Funds from the line of credit can be transferred to avoid overdraft and negative collected fees

To apply for Zemen Credit Sweep, visit Zemen Bank.

Business leasing options

With a lease, you can obtain state-of-the-art equipment whether you are a new or an established business. With Zemen, you'll get a prompt response and a flexible repayment schedule.