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Commercial Loans

We provide lending services to most types of businesses.  Whether your business is a local sole proprietorship or an incorporated business, we strive to meet your business financial needs. 

Karnes County National Bank is committed to excellence in lending.  Our experienced loan officers and support staff are easily accessible and are committed to fulfilling your loan request in a friendly and timely manner. 

Subject to credit approval.

For more information on KCNB Commercial Loans:

  • Equipment Loans

    Don't settle for less than optimal equipment. With a commercial loan from KCNB, you can treat your business (and in return, your customers) to a better experience.

  • Commercial Real Estate Loans (CRE)

    Secure your loan with your commercial property.

  • Commercial Construction Loans

    With this option, we'll work with you to determine the most cost-effective way to build.

  • Lines of Credit

    A flexible option that allows you to borrow as needed, up to to a set amount of funds, for just about anything your business needs.


Sign up to automatically draft payments from your eligible KCNB account so you won't have to worry about bringing us a check or cash for every payment!  Ask a representative for details.
*Autopay cannot currently be used to pay from an account at another financial institution.


We currently utilize this convenient and secure service for loan processing only.  Once you've been approved and you've provided a valid email, you'll be able to review and sign your loan paperwork electronically.1

Commercial Loans FAQs

Bring a valid government-issued photo ID and your Social Security Card.  Current payroll information (check stubs, etc.) may also be considered.

Depending on the type of loan, additional/other documentation may be required.  Call 830-780-3317 for more information.

We do not schedule appointments to meet with our representatives.  However, we do encourage you to call your preferred location ahead of time to check on availability. 

Our business hours are from 8am-5pm, with the lobby open from 9am-3pm, Monday through Friday.

You’ll need to contact a Loan Officer for information on how to submit an application for a commercial loan.  You can call 830-780-3317 to speak with a Loan Officer.

Need help deciding?

Give us a call at 830-780-3317 or visit any KCNB location.

  1. Some documentation may require an in-house signature.  DocuSign requires an internet connection and valid email to use.  Standard data rates may apply, refer to your service provider’s plan for information regarding data usage rates.
    DocuSign® and the DocuSign name are registered trademarks of DocuSign, Inc.
  2. All loans at KCNB are subject to credit approval.

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