Custom Loan Solutions PDF Print E-mail

At Wintrust Franchise Services, we recognize that you have unique borrowing needs.  We’ve designed specialized loan products to help you manage your cash flow and adjust to changing business conditions.

Adjustable Amortization

We understand that unique situations arise which may have an impact on your store operations. Your cash flow may be temporarily affected due to road construction or store remodeling. Even seasonal factors can have an impact on sales.

Because we have flexibility in structuring our loans, we can offer you some relief during those times. With our Adjustable Amortization loan feature, we can suspend principal payments for up to 6 months, and then make up the difference with subsequent payments when cash flow is stronger. The loan will still fully amortize in 7 years or less, but you get a break during those slow months.

Here’s how it would work:

  • You let Highland Park Bank & Trust know that you would like to suspend principal payments for 3 months this summer while major road construction takes place in front of your store.
  • We charge you interest-only during those 3 months. Following that period, you make 6 monthly principal payments of 1-1/2 times the original amount in order to “catch up” with the amortization.
  • You can take advantage of this offer one time during the term of the loan, or we can structure an adjustable payment schedule up-front if seasonal factors affect your sales each year.

One Year Equipment Line of Credit

For operators who qualify, we offer a one year revolving line of credit (EQ Revolver), that can be used at your discretion for equipment purchases or other small-ticket items throughout the year.

Features of this product include:

  • Make multiple draws under the line while paying monthly payments of interest-only.
  • Simply convert any outstandings to an amortizing term loan (5 year maximum) after 6-12 months.
  • Allows for fast and easy payment for these types of purchases and is a great alternative to equipment leasing.
  • Best of all-there is no annual fee to maintain the line of credit.