Lending

At Illinois Bank & Trust, we understand that you have unique financial opportunities deserving special attention. That’s why fully understanding your situation is our first priority. After studying premier lending options, your Private Banker will design a tailored lending solution to optimize your special purchase, business expansion, acquisition or portfolio investment.


Private Banking Line of Credit

We can approve a line of credit that gives you access to cash for unexpected expenses, higher-than-anticipated taxes, exercising stock options or any other of life’s surprises and opportunities.


Home Equity Line of Credit

With a line of credit secured through the equity in your home, all or most of the interest may be tax deductible.*


Mortgage Financing

A home is often a significant part of your overall financial picture. Whether you are considering purchasing a primary residence or vacation home or refinancing your current home, your Private Banker will invest the time needed to completely understand the type of home you wish to secure, then research and customize options to meet your individual needs. We provide direct lending advice and work with your lawyers and accountants to ensure a cohesive solution. Together, we structure innovative mortgage programs and flexible financing options to minimize monthly payments and leverage tax benefits for:

  • Jumbo mortgage financing
  • Interest-only loan programs
  • Collateralized mortgages
  • Bridge financing
  • Construction loans
  • Adjustable-rate and fixed-rate options

Additional Financing Options

Illinois Bank & Trust is prepared to help you meet all of your financing needs including auto, boat and aircraft loans.


*Consult a tax advisor regarding the deductibility of interest.