Commerce Bank was founded more than 150 years ago in Kansas City, Missouri, which serves as the bank’s headquarters today. Commerce provides a range of consumer and commercial financial products, including lending, payment processing, trust, brokerage, and capital market services. The bank operates in 374 locations in Missouri, Kansas, Illinois, Oklahoma and Colorado, with commercial offices in Cincinnati, Nashville, and Dallas.

Operating under the customer promise, “We ask, listen and solve,” Commerce Bank has received multiple accolades in the industry. In 2012, Bank Director’s Magazine named Commerce fourth on its Bank Performance Scorecard in the $5 billion to $50 billion asset category. For four consecutive years, the bank has also been listed among Forbes’ Top Ten list of America’s Best Banks. Commerce Bank is sixth on ABA Banking Journal Magazine’s list of Top Performing Big Banks with total assets of $10 billion.

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The Good

Multiple Lending Options

Commerce Bank claims that it has lower fees than competitors and longer payback periods for major purchases. The bank’s business loans are fixed rate loans ranging from $10,000 to $2 million and are intended to finance machinery, equipment, vehicles, and expansions, or to acquire another business. Commerce Bank also offers business real estate loans for purchasing or enhancing business location, with terms matched to the life of the asset. Lines of credit are also available.

150 Years of Building Commerce

Commerce Bank has been around for more than 150 years and has $24.6 billion in assets. Though a regional bank, Commerce operates 191 branches with more than 360,000 active online banking customers. In 2015, the bank handled $4.4 billion in business loans.

Flexible Payback Terms

The loan is paid based on a predetermined schedule or monthly principal and interest payments. Payback terms can range from three to 20 years. Commerce Bank offers longer payback terms for major purchases and claims predictable payment terms over a fixed period of time. Up to 100 percent financing depending upon nature of collateral and financial position.

The Bad

Few Locations

Headquartered in Kansas City, Commerce Bank has fewer branches per state than most national institutions. Businesses that apply for loans must be located in Missouri, Kansas, Illinois, Oklahoma, or Colorado.

Little Transparency

In order to find out specific information about interest rates, time to funding and payback terms, it’s nearly a requirement to meet with a banker in person. Don’t expect to find these details on their website or glean information through a low pressure, informational phone call.

The Bottom Line

If you’re in one of Commerce Bank’s five operating states and looking for $10,000 or more with flexible payback terms, it could be worth learning more about the long-standing bank’s business loans. Just make sure you’re willing to have a face-to-face conversation with one of their bankers.

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