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You want the best for your employees and we want the best for your business.

Employee Stock Ownership Plans or ESOPs provide opportunities for business owners of privately held middle-market companies to structure immediate or staged exits over time, realizing tax advantages and participating in the continued success of the business.

Our highly-experienced ESOP Lending and Deposit Services Teams assist employee-owned or soon-to-be-employee-owned companies in all areas of their strategy. We offer a complete array of commercial lending solutions along with competitive earnings rates, returns, and treasury management services.

Our experienced bankers provide guidance and solutions for ESOP transactions including:

  • Senior Debt financing for new ESOP formations
  • Senior Debt financing for secondary stock sales
  • Refinance Junior Capital, Seller Financing, or Warrant Liability
  • Senior Bank financing for general corporate needs of ESOP companies including working capital, cap-ex, or M&A
  • Senior Debt financing for Repurchase Obligation and ESOP recapitalizations
  • Senior Debt financing to assist with ESOP terminations
  • Deposit and Cash Management services for employee-owned companies and ESOP Trusts
  • Assist with introductions for Junior Capital if needed in initial or secondary stock sales
  • Introductions to ESOP professional advisors in all areas of the strategy


Contact a Professional



Since 1983, we’ve helped thousands of companies achieve greater success with:

  • Consultative Approach
  • Dedicated Relationship Managers

  • Custom & Creative Solutions

  • Specialized Industry Expertise


We have the strength and performance to meet your business banking needs. Learn more by viewing the video below.