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Bank of Cadiz & Trust Co. offers a full spectrum of commercial lending services and products. Our experienced team has the knowledge and expertise to help you refinance your existing debt or expand your business. We offer competitive rates on real estate loans for owner-occupied properties as well as commercial construction. While we understand that loan rates are important, being able to complete a purchase or a construction project on time and within budget can mean just as much to the bottom line.

Construction Mortgage

Loan Features:

  • Competitive rates
  • Interest-only payments during the construction phase
  • Option to convert to a permanent mortgage
Commercial Mortgage – Purchase or Refinance

Loan Features:

  • Competitive rates
  • Terms up to 20 years
  • Rates fixed for up to 5 years
  • Loan-to-value ratio up to 80%
  • Tax exempt bond pricing available

We know that getting a commercial loan can feel overwhelming. Our commercial lending team can help simplify the process and help find you the best financing solution to fit your business needs. Whether it’s a term loan, line of credit or real estate loan, we can guide you through all of your options and help make the choice that’s right for you. Our commercial loans include the following:

Term Loan

Our commercial term loans can help you get down to business. We offer a choice of terms and rate options that can help you buy business vehicles, restructure your company’s debt or provide you with working capital.

Line of Credit

With a commercial line of credit, you’ll have a revolving credit line whenever you need it or for whatever you need.


  • Available for short-term cash needs
  • Revolving line of credit
  • Renewable annually
Real Estate Loans

Whether you’re renovating, expanding or building a whole new structure from the ground up, a Bank of Cadiz & Trust Co. construction mortgage can help you complete your project.

If purchasing or refinancing a commercial property (including residential non-owner occupied investment properties) is in your future, a commercial mortgage from Bank of Cadiz & Trust Co. would be a smart move.

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Learn More

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*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Contact one of our lenders today!

Cadiz Office:
Phone: 270.522.2141
Fax: 270.512.0950
Main Office
79 Main Street, PO Box 2020, Cadiz KY 42211

Hopkinsville Office:
Phone: 270.887.6405
Fax: 270.632.6814
2808 Ft. Campbell Blvd, Hopkinsville KY 42240

Murray Office:
Phone: 270.767-8826
Fax: 270.759.4986
307 North 12th Street, Murray KY 42071