Lenders
Emprise Bank
Emprise Bank is a family-owned community bank based in Wichita, Kansas. Its business real estate lending covers investment property, commercial construction, residential construction, and land acquisition and development, with fixed and variable rate options and both short- and long-term structures.
Deals are put together by loan advisors and the bank emphasizes local decision-making. The online application is limited to requests of $100,000 or less; anything larger goes through a loan advisor. Alongside real estate, the bank does conventional business loans and SBA lending, and runs industry programs for medical practices, agribusiness, and small business.
Agricultural lending is a distinct book: real estate lending on one- to twenty-year terms with fixed and variable rates, a farmland equity line of credit from $100,000 to $1,000,000 with up to a ten-year repayment period, operating and livestock loans, equipment financing on one- to five-year terms, leasing, and Farm Service Agency-backed credit for young and beginning farmers. On the wealth side the bank acts as trustee, successor trustee, and executor for trusts and estates, and offers brokerage and investment products through Cetera Investment Services.
Rates, recourse terms, loan-to-value limits, and cash-out policies are not published. The bank's general line is 855-383-4301. The pages crawled describe Kansas markets, so confirm whether it will lend on property outside the state.
Best for
Kansas businesses and investors financing an investment property, a ground-up commercial or residential build, or a land development, who want a local lender making the credit decision in market. Borrowers outside Kansas should confirm coverage first.
What they do
- Investment property real estate loans
- Commercial construction loans
- Residential construction loans
- Land acquisition and development loans
- SBA loans
- Farmland equity lines of credit
- Agricultural real estate and equipment financing
- Trust and estate administration
Details
| Attribute | Value |
|---|---|
| Ownership | Private |
| Lender type | Bank, Portfolio |
What stands out
- Online applications are limited to loans of $100,000 or less; larger requests go through a loan advisor.
- Offers fixed and variable rate options on investment property, commercial and residential construction, and land acquisition and development loans.
- Agricultural real estate lending runs one to twenty years, and farmland equity lines run $100,000 to $1,000,000 with up to a ten-year repayment period.
- Acts as trustee, successor trustee, and executor for trusts and estates through its own trust department.