The future begins now

Start making the most of today’s opportunities. For over 140 years, through good economic conditions and bad, Old Second has provided commercial banking services to companies like yours so they could continue to grow and prosper and put their future plans into

Credit solutions

From working capital lines of credit to equipment financing, we offer all the capabilities and resources the largest banks offer. But, unlike the largest banks, we'll work with you to tailor solutions specific to your company’s needs and goals.

Contact a commercial representative at 877-866-0202.


Put our credit know-how to work for you with customized loan structures.

  • Business Term Loan with fixed dollar amounts and set payback terms
  • Business Real Estate Loans for acquisition or other real estate financing purposes
  • Construction Loans, which can be packaged together with mortgage financing
  • SBA* Loans for qualifying companies, which can lower down payments and extend repayment


Old Second participates in the following SBA programs:

  • SBA 504 Program
  • SBA 7A Program


Secure funding for times when you need it and with terms structured around your cash-flow cycle.



We provide a comprehensive range of trade services to help facilitate smooth transactions between your business and your vendors.

  • Letter of Credit: For added comfort in closing your deal to the satisfaction of all involved parties
  • Import/Export Letter of Credit: For conducting international business, whether your business is the importer or exporter in a transaction


BusinessManager® is an online program which allows you to get cash for your accounts receivable deposited directly into your bank account by selling them to the bank at a discount. Funds are then deposited into your account, giving you the positive cash flow you need.

  • Improve your cash flow.
  • Realize growth opportunities.
  • Take advantage of supplier discounts.
  • Offer financing options to your customers.
  • Save time and money.
  • Manage your operations online.
  • Receive detailed business management reports.

Contact a representative for sign up information and pricing.

*The Small Business Administration (SBA) is an office of the federal government. It was created to assist small businesses (as defined by the Small Business Act). Their intent was to increase the ability to compete in international markets by enhancing their ability to export, facilitate technology transfers and compete effectively and efficiently against imports. With the help of the SBA office, we can offer loans to small businesses that might not have the ability to obtain a conventional loan. For more information, please visit the SBA website.

Treasury management solutions

Put every dollar to work for your business by earning interest or decreasing debt through a strategic mix of deposit and savings. Contact a commercial representative to determine how our services can help you make the most of your cash balances.


Collect and disburse payments efficiently and securely.

  • ACH collections and payments
  • Remote Deposit Capture
  • Mobile Deposit
  • Lockbox
  • Electronic Data Interchange (EDI)
  • Incoming and outgoing wire transfers
  • Merchant Processing Service
  • Mobile Credit Acceptance
  • Payroll Deposit
  • Controlled Disbursement Service



These services help keep your funds and your transactions safe and secure.

  • Positive Pay service (only checks you've authorized are cleared)
  • ACH Fraud Protection (you control the access for each user and each ACH function)

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Tailored to the specific features and services you prefer.

  • Choice of business checking and savings options
  • Sweep accounts
  • Zero balance accounts
  • Card Services including corporate credit/debit cards, purchasing cards, payday cards and gift cards


Deposit checks securely, right from your desktop via the Internet. We'll provide the scanner, assist with the software installation and train your staff to use the product.

  • No more daily trips to the bank
  • Later posting deadlines (7 p.m. CT)
  • No more record-keeping delays
  • Convenient copies of deposits
  • Faster identification of returns
  • Consolidation of banking relationships
  • Receive checks from customers
  • Scan the checks with the scanner we provide
  • Send the batch to us securely over the Internet

Contact a representative for sign up information and pricing.

Employee benefit solutions

In a competitive marketplace, your employee benefits plan can help your company stand out in the crowd. We offer several decades of experience in developing company-sponsored retirement plans that include a variety of investment alternatives, timely and accurate recordkeeping, and effective employee communications. Contact a commercial representative at 877-866-0202.


Our professionals can help you put in place the type of plan most appropriate for your company, whether a 401(k), SIMPLE or SEP plan.


An Old Second health savings account can help your employees save and pay for current and future health care expenses with tax-free dollars.


The Old Second payday card is a safe and convenient alternative to paychecks, allowing you to automatically load your employees' pay onto a debit card each payday. Your employees then have the freedom to make purchases and ATM withdrawals with the card.