{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/wintrust-com","markdownUrl":"https://nowen.ai/agents/wintrust-com.md","jsonUrl":"https://nowen.ai/agents/wintrust-com.json","name":"Wintrust","legalName":"Wintrust Financial Corporation","website":"https://wintrust.com","location":"Rosemont, Illinois","address":{"city":"Rosemont","state":"Illinois"},"industry":"Banking","deliveryModel":"services","marketCategories":{"primary":{"name":"Business Loans","url":"https://nowen.ai/category/business-loans"},"others":[]},"status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-11-12T00:19:31.844Z","summary":"Wintrust is a financial services organization providing banking and related services to individuals, businesses, and communities.","description":"Wintrust is a financial services organization serving individuals, families, businesses, and communities through a network of locally run community banks and financial services businesses. It provides personal and commercial banking, lending, wealth management, mortgage, and treasury services, with an emphasis on local expertise, customer relationships, and community involvement.","mission":"To build sustainable communities and provide an alternative to big banks.","directory":{"industryName":"Banking","agentCount":71,"indexable":true,"hubUrl":"https://nowen.ai/industry/banking"},"categoryDirectory":{"name":"Business Loans","agentCount":21,"indexable":true,"url":"https://nowen.ai/category/business-loans"},"aiReaderFamilies":[],"products":[{"name":"Checking accounts","anchor":"product-checking-accounts","type":"Product","url":"https://www.wintrust.com/personal-solutions/bank-with-us/checking/checking-account-upgrades.html","summary":"Choose checking with everyday banking features, early paycheck access, nationwide ATM fee refunds, and tiered benefits to match your needs.","description":"Wintrust Community Banks offer Total Access Checking, Access Plus Checking, and Premier Checking, with features and fees that vary by tier and location. Options include early paycheck access, nationwide ATM fee refunds, interest on select accounts, and waived or reimbursed fees on certain services. A $100 opening deposit is required. Monthly maintenance fees may be avoided by meeting applicable balance requirements.","pricing":{},"features":[{"name":"Tiered account options","value":"Choose An Account That Fits Your Needs","valueDescription":"Compare three personal checking options with different benefits and account requirements."},{"name":"Monthly maintenance fee options","value":"Avoid Monthly Fees With Eligible Accounts","valueDescription":"Total Access has no monthly maintenance fee. Access Plus and Premier fees may be avoided by meeting their balance requirements."},{"name":"Early paycheck access","value":"Receive Paychecks Up To Two Business Days Earlier","valueDescription":"Eligible direct deposits can be available up to two business days before payday."},{"name":"Nationwide ATM fee refunds","value":"Get ATM Fees Refunded Nationwide","valueDescription":"Use ATMs nationwide with Total Access Checking and receive refunds for ATM fees."},{"name":"Overdraft fees","value":"Avoid Overdraft Fees","valueDescription":"Total Access Checking does not charge overdraft fees."},{"name":"Interest on select checking accounts","value":"Earn Monthly Interest","valueDescription":"Access Plus and Premier Checking pay monthly interest at variable rates."},{"name":"Digital account access","value":"Manage Accounts And Deposit Checks Digitally","valueDescription":"Use online banking or the mobile app to manage accounts and deposit checks. Zelle is available for eligible accounts."},{"name":"Account security and fraud controls","value":"Protect Accounts With Security And Fraud Controls","valueDescription":"Security and fraud controls and education resources help customers protect their accounts."},{"name":"New account cash bonus","value":"Earn A Bonus With Qualifying Account Activity","valueDescription":"Eligible new customers may qualify for a bonus by meeting requirements that include online banking and e-statement enrollment and qualifying direct deposits."},{"name":"Savings account interest rate bonus","value":"Boost Statement Savings Advanced Interest","valueDescription":"Premier customers receive a 0.15% interest rate bonus on Statement Savings Advanced accounts."},{"name":"Account fee waivers and reimbursements","value":"Save On Eligible Banking Fees","valueDescription":"Access Plus and Premier include specified fee waivers or reimbursements, with benefits varying by account tier."}]},{"name":"Savings accounts and certificates of deposit","anchor":"product-savings-accounts-and-certificates-of-deposit","type":"Product","url":"https://www.wintrust.com/personal-solutions/bank-with-us/savings/statement-savings-money-market-cd.html","summary":"Earn interest on savings with flexible access or choose a fixed-rate CD to grow funds over a set term.","description":"Wintrust offers personal savings accounts and certificates of deposit (CDs). The featured Statement Savings Advanced Special earns interest at a variable rate and includes digital access, with no minimum to open and a $200 daily balance required to avoid a $5 monthly maintenance fee. The featured 13-month CD Special offers a fixed rate and requires $1,000 to open. Both specials require new money, and the savings offer also requires qualifying activities. Products and pricing may vary by location.","pricing":{},"features":[{"name":"Interest-earning savings","value":"Earn Interest While Building Savings","valueDescription":"Earn interest over time while building funds for future needs."},{"name":"Fixed-rate CDs with varied terms","value":"Lock In A Fixed Rate","valueDescription":"Select from a variety of CD terms and lock in a fixed rate for the chosen term."},{"name":"Variable-rate savings","value":"Earn Interest At A Variable Rate","valueDescription":"The account earns interest at a variable rate that may change over time."},{"name":"Savings opening and balance requirements","value":"Open Without A Minimum Deposit","valueDescription":"Open the featured savings account without a minimum deposit and maintain a $200 daily balance to avoid its $5 monthly fee."},{"name":"CD opening requirement","value":"Open A CD With $1,000","valueDescription":"A $1,000 deposit is required to open the featured 13-month CD Special."},{"name":"Digital access","value":"Access Savings Digitally","valueDescription":"Access the featured savings account digitally."},{"name":"New-money eligibility","value":"Qualify With New Money","valueDescription":"Both featured specials are limited to new money, with additional stated requirements for the savings special."}]},{"name":"Home Equity Line of Credit","anchor":"product-home-equity-line-of-credit","type":"Product","url":"https://www.wintrust.com/personal-solutions/bank-with-us/heloc.html","summary":"Tap into home equity for flexible access to funds for renovations, debt consolidation, medical costs, unexpected expenses, vacations, and more.","description":"Wintrust’s Home Equity Line of Credit (HELOC) lets customers borrow against home equity for a range of purposes. Customers can access funds as needed and pay down their credit line during a 10-year draw period. The HELOC has variable rates, with fixed-rate options to lock in a rate on all or part of an existing balance up to two times at once.","pricing":{},"features":[{"name":"Flexible access to home equity","value":"Access Funds As Needed","valueDescription":"Draw on home equity during the 10-year draw period and pay down the credit line."},{"name":"Fixed-rate options","value":"Lock In A Fixed Rate","valueDescription":"Choose a fixed rate on all or part of an existing balance, with the option available up to two times at once."},{"name":"Flexible funding purposes","value":"Fund A Range Of Personal Needs","valueDescription":"Use funds to help cover renovations, debt consolidation, medical costs, unexpected expenses, vacations, and other needs."},{"name":"Variable interest rates","value":"Access Variable-Rate Credit","valueDescription":"The HELOC has variable rates, with published APRs listed by credit line amount."},{"name":"Potentially lower interest rate","value":"Borrow At A Potentially Lower Rate","valueDescription":"Wintrust states that the HELOC can offer a lower interest rate than an unsecured loan."}]},{"name":"Wintrust Mortgage Services","anchor":"product-wintrust-mortgage-services","type":"Service","url":"https://www.wintrust.com/personal-solutions/buy-a-home.html","summary":"Access personalized guidance and loan options for buying a home, refinancing, or using home equity to meet financial needs.","description":"Wintrust Mortgage offers home purchase, refinancing, and home equity financing solutions. Mortgage experts help customers find a loan suited to their needs and navigate the process. Services include guidance on down payment options and prequalification, refinancing strategies, and access to home equity for expenses such as renovations, education costs, or emergency funds. Eligible Wintrust Community Bank and Wintrust Wealth Management customers may qualify for mortgage savings through the Relationship Pricing Program.","pricing":{},"features":[{"name":"Home purchase financing","value":"Find A Loan For Homeownership","valueDescription":"Explore home purchase financing with guidance on down payment options and prequalification."},{"name":"Mortgage refinancing","value":"Explore Ways To Adjust Your Mortgage","valueDescription":"Review refinancing options with specialists who consider existing debt and financial goals."},{"name":"Home equity financing","value":"Access Your Home's Built-Up Value","valueDescription":"Use home equity solutions for expenses such as renovations, education costs, or emergency funds."},{"name":"Mortgage expert guidance","value":"Get Guidance From Loan Experts","valueDescription":"Work with mortgage experts to explore loan options and navigate the process."},{"name":"Relationship pricing","value":"Earn Potential Mortgage Savings","valueDescription":"Eligible customers may receive a closing cost credit or reduced rate based on eligible account balances."},{"name":"Mortgage calculation tools","value":"Estimate Mortgage And Home Costs","valueDescription":"Estimate an affordable home price, monthly payment, home equity, or possible refinancing savings."}]},{"name":"Personal credit cards","anchor":"product-personal-credit-cards","type":"Service","url":"https://www.wintrust.com/credit-cards","summary":"Choose a card to help pay down balances, earn cash back or rewards, or begin building credit history.","description":"Wintrust offers personal credit card options for customers who want to pay down balances faster, maximize cash back, earn rewards, or begin building credit history. The creditor and issuer is Elan Financial Services, pursuant to a license from Visa U.S.A., Inc.","pricing":{},"features":[{"name":"Balance payoff","value":"Pay Down Balances Faster","valueDescription":"Choose a card option suited to paying down balances faster."},{"name":"Cash back","value":"Maximize Cash Back","valueDescription":"Choose a card option suited to maximizing cash back."},{"name":"Credit building","value":"Begin Building Credit History","valueDescription":"Choose a card option suited to beginning to build credit history."},{"name":"Rewards earning","value":"Earn Rewards","valueDescription":"Choose a card option suited to earning rewards."}]},{"name":"Online and mobile banking","anchor":"product-online-and-mobile-banking","type":"Platform","url":"https://www.wintrust.com/personal-solutions/bank-with-us/online-mobile-banking.html","summary":"Manage accounts on the go, deposit checks by phone, send and receive money, and view personalized financial insights.","description":"Wintrust online banking and mobile app let customers manage accounts wherever they are. Services include mobile check deposit, Zelle transfers, and personalized financial insights with real-time information. Business customers can use i-BusinessBanking for account reporting, payments, transfers, and reconciliation. Mobile banking is required for remote deposit capture, and online or mobile banking is required to access Zelle.","pricing":{},"features":[{"name":"Online and mobile account access","value":"Manage Accounts Wherever You Are","valueDescription":"Access account management through online banking or the mobile app."},{"name":"Mobile check deposit","value":"Deposit Checks From Your Smartphone","valueDescription":"Deposit checks through the mobile app without going to a branch; deposit limits apply."},{"name":"Zelle money transfers","value":"Send And Receive Money","valueDescription":"Use Zelle through online or mobile banking to send and receive money, subject to eligibility and limits."},{"name":"Business account reporting","value":"Review Real-Time Account Information","valueDescription":"View business dashboard information and customizable account reports."},{"name":"Business payments and collections","value":"Initiate Business Payments And Collections","valueDescription":"Originate ACH payments and collections, pay bills and loans, and initiate domestic and international U.S. dollar wires."},{"name":"Personalized financial insights","value":"View Real-Time Financial Insights","valueDescription":"Access personalized insights with real-time financial information."},{"name":"Business account reconciliation","value":"Reconcile Business Accounts","valueDescription":"Perform account reconciliation through the business banking application."},{"name":"Online statements","value":"Access Statements Online","valueDescription":"Access eligible statements online and enroll in e-statements where required."},{"name":"Financial software downloads","value":"Download Quicken And QuickBooks Data","valueDescription":"Download Quicken and QuickBooks data through the business banking application."},{"name":"Secure mobile messaging","value":"Send Secure Account Messages","valueDescription":"Send secure messages through the app about account-specific questions."}]},{"name":"Wintrust Commercial Banking","anchor":"product-wintrust-commercial-banking","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market.html","summary":"Helps middle-market businesses and specialized industries pursue financial and business goals with tailored financing, expert local guidance, and a broad range of banking services.","description":"Wintrust Commercial Banking provides middle-market businesses and specialized industries with industry expertise, custom financing, and lending, deposit, and specialty services. Dedicated local banking specialists offer tailored financial solutions and advice, with loan decisions made locally where loans are serviced. Offerings include commercial banking services, industry-specific lending, equipment financing, and specialty services.","pricing":{},"features":[{"name":"Customized financial solutions","value":"Get Solutions Tailored To Your Business","valueDescription":"Receive customized financial solutions shaped around specific business needs."},{"name":"Local loan decisions and servicing","value":"Keep Loan Decisions Local","valueDescription":"Connect local lending decisions with the banking team servicing the loan."},{"name":"Industry-specific expertise","value":"Apply Industry-Specific Expertise","valueDescription":"Work with a team that understands the business’s industry and can help develop solutions."},{"name":"Industry and lending solutions","value":"Find Lending For Specialized Needs","valueDescription":"Explore lending for a broad range of industries and financing needs, including commercial real estate, equipment, asset-based lending, and specialized sectors."},{"name":"Dedicated local banking partnership","value":"Work With A Dedicated Local Banker","valueDescription":"Receive advice and financial guidance from dedicated local banking specialists."},{"name":"Commercial banking services","value":"Access Commercial Banking Services","valueDescription":"Access a range of commercial services, including treasury management, private client services, and Wintrust@Work."},{"name":"Specialty services","value":"Access Specialized Financial Services","valueDescription":"Access specialty services for needs such as capital markets, employee ownership plans, tax-deferred exchanges, and interest rate swaps."}]},{"name":"Wintrust Private Client","anchor":"product-wintrust-private-client","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/banking/wintrust-private-client.html","summary":"Get tailored financial guidance and coordinated expert support to manage complex wealth needs across personal, family, and business finances.","description":"Wintrust Private Client provides personalized financial solutions for individuals, families, and business owners, including those with complex wealth needs. A team of private bankers, fiduciary advisors, strategists, planners, trust officers, and financial specialists offers coordinated guidance across investments, tax relief, liquidity, credit management, and trust and estate planning. Clients receive a single point of contact, discreet service, and solutions tailored to their financial picture. The service offers capabilities without hard minimums or pressure to use proprietary products.","pricing":{},"features":[{"name":"Personalized financial solutions","value":"Tailor Financial Solutions To Your Needs","valueDescription":"Receive financial solutions shaped around specific needs and financial circumstances."},{"name":"Coordinated wealth guidance","value":"Coordinate Guidance Across Wealth Needs","valueDescription":"Work with a team providing guidance across investments, tax relief, liquidity, credit management, and trust and estate planning."},{"name":"Discreet, high-touch service","value":"Receive Discreet, Personal Attention","valueDescription":"Get personalized attention delivered with discretion and a long-term perspective."},{"name":"Access without hard minimums or proprietary product pressure","value":"Choose Solutions Without Hard Minimums","valueDescription":"Access tailored solutions without hard minimums or pressure to use proprietary products."},{"name":"Single point of contact","value":"Simplify Communication With One Contact","valueDescription":"Use one point of contact while drawing on a team of professionals."},{"name":"Integrated business and personal financial support","value":"Coordinate Business And Personal Finances","valueDescription":"Receive coordinated support across business and personal financial matters."},{"name":"Institutional expertise with boutique flexibility","value":"Combine Expertise With Flexible Service","valueDescription":"Draw on investment management and planning expertise alongside personalized, flexible service."}]},{"name":"Wintrust@Work","anchor":"product-wintrust-work","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/banking/wintrust-at-work.html","summary":"Helps businesses support employees with access to banking and financial services, from checking accounts to trust administration and mortgages.","description":"Wintrust@Work is a workplace banking program that provides businesses’ employees with financial solutions. Offerings include checking accounts, complex trust administration, mortgages, MaxSafe extended FDIC coverage, treasury management, and deposit solutions. A Wintrust banker can explain the program and help determine what may suit a business.","pricing":{},"features":[{"name":"Extended FDIC coverage","value":"Extend FDIC Insurance Coverage","valueDescription":"MaxSafe offers an extended level of FDIC insurance coverage for accounts."},{"name":"Checking account access","value":"Access Checking Account Services","valueDescription":"Access checking accounts through the workplace banking program."},{"name":"Mortgage access","value":"Explore Home Mortgage Options","valueDescription":"Explore mortgage options for a new home through the program."},{"name":"Trust administration","value":"Access Trust Administration","valueDescription":"Access trust administration, including complex trust services."},{"name":"Treasury management","value":"Support Business Treasury Management","valueDescription":"Explore treasury management services and products for business needs."},{"name":"Deposit solutions","value":"Store Funds Securely","valueDescription":"Use deposit solutions to store money and keep it accessible when needed."}]},{"name":"MaxSafe","anchor":"product-maxsafe","type":"Service","url":"https://www.wintrust.com/lp/2023/maxsafe-business-accounts.html","summary":"Provides extended FDIC insurance coverage to help customers keep their accounts protected.","description":"MaxSafe is a Wintrust program designed to provide extended FDIC insurance coverage for accounts. Wintrust describes it as offering an extended level of coverage to help keep accounts safe and secure.","pricing":{},"features":[{"name":"Extended FDIC coverage","value":"Extend FDIC Coverage","valueDescription":"Receive extended FDIC insurance coverage for accounts."}]},{"name":"Treasury Management","anchor":"product-treasury-management","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/banking/treasury-management.html","summary":"Manage business payments, receivables, cash visibility, and liquidity with solutions designed to meet treasury needs and help reduce costs.","description":"Wintrust Treasury Management offers payment and receivables solutions, including retail and wholesale lockbox services, i-BusinessBanking, remote deposit capture, and a MaxSafe Treasury Management account. Services include online banking, receivables, payables, fraud prevention, information reporting, and liquidity solutions.","pricing":{},"features":[{"name":"Integrated online treasury banking","value":"Manage Treasury Activity Online","valueDescription":"Use a web-based application to view dashboard information and manage business banking activities."},{"name":"Receivables solutions","value":"Access Receivables With Speed","valueDescription":"Use lockbox services and remote deposit capture to manage receivables and access funds."},{"name":"ACH and wire payments","value":"Initiate Business Payments And Wires","valueDescription":"Originate ACH payments and collections and initiate domestic and international U.S. dollar wires."},{"name":"Payables solutions","value":"Streamline And Automate Payables","valueDescription":"Choose options to streamline paper-based payables or automate operations."},{"name":"Fraud prevention services","value":"Protect Business Payment Processes","valueDescription":"Access tools intended to help protect business payment processes."},{"name":"Customizable information reporting","value":"Customize Account Reporting","valueDescription":"Access account information and customizable reporting through i-BusinessBanking."},{"name":"Liquidity sweep solutions","value":"Optimize Returns While Retaining Cash Control","valueDescription":"Use sweep solutions designed to balance returns and cash control."},{"name":"Bill and loan payments","value":"Initiate Bill And Loan Payments","valueDescription":"Initiate bill and loan payments through i-BusinessBanking."},{"name":"MaxSafe Treasury Management account","value":"Access A MaxSafe Treasury Account","valueDescription":"Include a MaxSafe Treasury Management account in the available suite."},{"name":"Additional payment services","value":"Access Additional Payment Services","valueDescription":"Access real-time payments and merchant processing services."},{"name":"Account reconciliation and software downloads","value":"Reconcile Accounts And Download Data","valueDescription":"Reconcile accounts and download Quicken and QuickBooks data through i-BusinessBanking."}]},{"name":"Business checking accounts","anchor":"product-business-checking-accounts","type":"Product","url":"https://www.wintrust.com/business-solutions/business/banking/deposit-solutions.html","summary":"Choose business checking tailored to your company’s stage and transaction needs, with digital banking tools and account features that support everyday access to funds.","description":"Wintrust offers Entrepreneur Checking for businesses just starting out, Business Community Checking for established businesses, and Have-It-All Business Checking for larger enterprises with higher transaction needs. Each account includes business online banking, online statements, mobile banking with mobile remote deposit capture, and no minimum opening deposit. Features vary by account, including monthly transaction allowances, balance requirements for avoiding maintenance fees, and user access levels. Eligible new Entrepreneur Checking customers may qualify for a bonus subject to requirements.","pricing":{},"features":[{"name":"Entrepreneur Checking","value":"Start Banking With No Monthly Maintenance Fee","valueDescription":"New businesses can access 150 free monthly transactions, digital banking, and mobile remote deposit capture without a monthly maintenance fee or minimum opening deposit."},{"name":"Business Community Checking","value":"Manage Business Banking For Multiple Users","valueDescription":"Access 250 free monthly transactions and a business banking profile with specified user access. Maintain the required balance to waive the monthly fee."},{"name":"Have-It-All Business Checking","value":"Handle Up To 400 Free Monthly Transactions","valueDescription":"Access 400 free monthly transactions and multi-user business banking. Maintain the required balance to avoid the monthly fee."},{"name":"Business banker support","value":"Get Guidance From A Dedicated Business Banker","valueDescription":"Work with a dedicated banker to find suitable products and services."},{"name":"Business online and mobile banking","value":"Access Accounts And Deposit Checks Digitally","valueDescription":"Use business banking tools to access accounts, view online statements, and deposit remotely."},{"name":"No minimum opening deposit","value":"Open An Account With No Minimum Deposit","valueDescription":"Open any of the three listed business checking accounts without a minimum deposit."}]},{"name":"Business Savings Accounts","anchor":"product-business-savings-accounts","type":"Product","url":"https://www.wintrust.com/business-solutions/business/banking/deposit-solutions.html","summary":"Earn interest while keeping business funds accessible, or choose savings options with checking access or a locked-in rate.","description":"Wintrust’s business savings solutions help businesses keep funds secure and accessible. Savings accounts earn interest with quick access to money. Money market accounts add checking capabilities and ATM access, while certificates of deposit let businesses lock in an interest rate for an extended period.","pricing":{},"features":[{"name":"Interest-earning savings with quick access","value":"Earn Interest And Access Funds Quickly","valueDescription":"Earn interest on business savings while keeping funds accessible."},{"name":"Secure and accessible deposits","value":"Keep Funds Secure And Accessible","valueDescription":"Keep business funds secure and accessible when needed."},{"name":"Money market checking and ATM access","value":"Access Funds Through Checks And ATMs","valueDescription":"Reach money market funds through checking capabilities and ATMs."},{"name":"Fixed-rate certificates of deposit","value":"Lock In An Interest Rate","valueDescription":"Lock in an interest rate for an extended period."}]},{"name":"Easy Access Term Loan","anchor":"product-easy-access-term-loan","type":"Product","url":"https://www.wintrust.com/business-solutions/business/lending/general-lending.html","summary":"Finance equipment upgrades and other business needs with up to $250,000, flexible rate options, and terms of up to five years.","description":"A small business term loan offering longer-term financing for equipment upgrades, replacements, additions, and other needs. Borrow up to $250,000 with fixed or variable rate options and terms of up to five years.","pricing":{},"features":[{"name":"Equipment financing","value":"Finance Equipment Upgrades And Additions","valueDescription":"Use term-loan financing for equipment and other business needs."},{"name":"Loan amount","value":"Borrow Up To $250,000","valueDescription":"Access up to $250,000 for eligible business financing needs."},{"name":"Rate options","value":"Choose Fixed Or Variable Rates","valueDescription":"Select a fixed or variable rate option."},{"name":"Loan term","value":"Choose Terms Up To Five Years","valueDescription":"Use a term of up to five years for longer-term financing."}],"marketCategories":[{"name":"Business Loans","url":"https://nowen.ai/category/business-loans"}]},{"name":"Easy Access Line of Credit","anchor":"product-easy-access-line-of-credit","type":"Product","url":"https://www.wintrust.com/business-solutions/business/lending/general-lending.html","summary":"Helps small businesses manage short-term cash needs, cover expenses, and purchase inventory during slower cash collections.","description":"A small business line of credit offering up to $250,000 for short-term cash needs. It can help cover expenses or purchase inventory when cash collections are slower. The line has a variable rate and is annually renewable.","pricing":{},"features":[{"name":"Short-term expense coverage","value":"Cover Short-Term Business Expenses","valueDescription":"Help cover business expenses when cash collections are slower."},{"name":"Credit limit up to $250,000","value":"Access Up To $250,000","valueDescription":"Access up to $250,000 for short-term business financing needs."},{"name":"Inventory purchase financing","value":"Finance Inventory Purchases","valueDescription":"Use credit to help purchase inventory when cash collections are slower."},{"name":"Variable rate and annual renewal","value":"Renew Variable-Rate Credit Annually","valueDescription":"Use a variable-rate credit line that is renewable annually."}]},{"name":"SBA loans","anchor":"product-sba-loans","type":"Service","url":"https://www.wintrust.com/business-solutions/business/lending/sba.html","summary":"Access SBA-backed financing for business growth, working capital, acquisitions, equipment, and owner-occupied real estate with guidance from experienced bankers.","description":"Wintrust offers SBA Express, SBA 7(a), SBA 7(a) Working Capital Pilot Program, and SBA 504 financing for eligible businesses. Loan options can support business expansion, acquisitions, cash flow, working capital, equipment, and owner-occupied real estate. Experienced bankers guide businesses through the lending process. Loans are subject to Wintrust and SBA underwriting guidelines and applicable procedures.","pricing":{},"features":[{"name":"SBA 7(a) loans","value":"Fund Growth And Acquisitions","valueDescription":"Use SBA 7(a) financing for expansion, acquisitions, partner buyouts, or cash flow improvement."},{"name":"SBA Express loans","value":"Access Up To $500,000","valueDescription":"Choose an SBA Express loan of up to $500,000 for eligible business needs."},{"name":"SBA 7(a) Working Capital Pilot Program","value":"Finance Receivables And Inventory","valueDescription":"Finance accounts receivable and inventory, paying interest only on funds used."},{"name":"SBA 504 loans","value":"Finance Equipment And Real Estate","valueDescription":"Finance equipment and owner-occupied real estate, with down payments as low as 10%."},{"name":"SBA lending guidance","value":"Get Guidance From Experienced Bankers","valueDescription":"Work with bankers to identify a lending option and navigate the application process."},{"name":"Direct loan servicing","value":"Keep Your Loan With Wintrust","valueDescription":"Wintrust states that it does not sell loans on the secondary market."},{"name":"SBA eligibility and underwriting","value":"Review Eligibility And Loan Requirements","valueDescription":"Applications are subject to eligibility, underwriting guidelines, and applicable fees and costs."}],"marketCategories":[{"name":"Business Loans","url":"https://nowen.ai/category/business-loans"}]},{"name":"Asset-Based Lending","anchor":"product-asset-based-lending","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/lending/asset-based-lending.html","summary":"Access tailored, flexible financing that can increase borrowing capacity and support liquidity needs, growth, acquisitions, and business transitions.","description":"Wintrust Business Credit provides middle-market companies with financing tailored to their current situation and long-term goals. Options include revolving lines of credit secured by accounts receivable and inventory, and term loans secured by equipment and real estate. Facilities can support growth, acquisitions, recapitalizations, restructuring, turnaround situations, seasonal or cyclical needs, and high cash flow leverage.","pricing":{},"features":[{"name":"Revolving asset-backed credit","value":"Access Revolving Credit","valueDescription":"Use accounts receivable and inventory to secure revolving credit."},{"name":"Increased borrowing capacity","value":"Increase Available Borrowing Capacity","valueDescription":"Higher advance rates on receivables and inventory can increase borrowing capacity."},{"name":"Flexible credit structures","value":"Structure Financing With Flexibility","valueDescription":"Choose financing structures designed to provide flexibility with minimal financial covenants."},{"name":"Customized financing","value":"Tailor Financing To Your Goals","valueDescription":"Structure financing around the company’s circumstances and long-term goals."},{"name":"Secured term loans","value":"Finance Needs With Secured Loans","valueDescription":"Secure term financing with equipment or real estate."},{"name":"Business transition and liquidity financing","value":"Support Business Financing Needs","valueDescription":"Access financing for growth, acquisitions, business transitions, seasonal needs, and other situations."}]},{"name":"Equipment loans and leasing","anchor":"product-equipment-loans-and-leasing","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/lending/equipment-loans-and-leasing.html","summary":"Businesses can finance equipment through tailored loans or leases, access capital as needs arise, and preserve liquidity for strategic priorities.","description":"Wintrust offers equipment financing through loans and leases. Its equipment finance team reviews business plans, project scope, equipment requirements, and financing needs to recommend a structure. Options may include purchasing or leasing equipment, an approval spanning 12 months, or a flexible draw period for equipment acquired over time. Wintrust highlights local decision-making and asset expertise.","pricing":{},"features":[{"name":"Equipment loan and leasing options","value":"Choose A Loan Or Lease","valueDescription":"Consider a loan or lease based on equipment requirements and financing plans."},{"name":"Tailored financing structures","value":"Match Financing To Your Project","valueDescription":"Shape financing around the project and equipment requirements."},{"name":"Extended approval period","value":"Use One Approval For 12 Months","valueDescription":"Use an approval spanning 12 months to reduce repeated paperwork and approval steps."},{"name":"Flexible equipment funding access","value":"Draw Capital As Needs Arise","valueDescription":"Access equipment funding over time as needs emerge without repeating approval cycles."},{"name":"Liquidity preservation","value":"Preserve Liquidity For Priorities","valueDescription":"Retain liquidity for strategic initiatives while financing equipment."},{"name":"Local decisions and asset expertise","value":"Work With Local Asset Experts","valueDescription":"Get local decision-making and equipment financing expertise."}]},{"name":"Insurance Banking","anchor":"product-insurance-banking","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/lending/insurance-banking-and-premium-finance/agency-lending.html","summary":"Helps insurance organizations fund growth, manage financial needs, and access tailored guidance and services from dedicated insurance banking specialists.","description":"Wintrust Insurance Banking provides specialized financial solutions for independent insurance agencies, specialty brokerages, managing general agents and underwriters, captives and captive managers, state FAIR plans, insurance carriers, and reinsurance carriers. Dedicated specialists offer industry knowledge and consultative guidance tailored to each organization. Solutions include agency financing, treasury management, depository services, and insurance premium financing through FIRST Insurance Funding, alongside additional lending, wealth, trust, investment, and employee ownership services. FIRST has more than 30 years of premium financing experience and FIRST Canada offers property and casualty premium financing and payment solutions in Canada.","pricing":{},"features":[{"name":"Insurance industry expertise","value":"Apply Insurance Industry Expertise","valueDescription":"Work with specialists who understand insurance organizations and their sector-specific needs."},{"name":"Tailored consultative guidance","value":"Get Guidance Tailored To Your Needs","valueDescription":"Receive guidance and financial solutions shaped around your organization’s needs."},{"name":"Insurance premium financing","value":"Finance Insurance Premiums","valueDescription":"Access flexible premium financing informed by agency needs, including Canadian property and casualty financing through FIRST Canada."},{"name":"Agency-level and ownership financing","value":"Finance Agency Needs And Transitions","valueDescription":"Access financing for agency operations, growth, ownership transitions, acquisitions, and other stated financing needs."},{"name":"Treasury management and depository services","value":"Manage Treasury And Depository Needs","valueDescription":"Access treasury management and depository services alongside insurance-focused financing."},{"name":"Additional financial services","value":"Access Additional Financial Services","valueDescription":"Connect with additional wealth, trust, investment, employee ownership, and financial services."}]},{"name":"Commercial real estate lending","anchor":"product-commercial-real-estate-lending","type":"Service","url":"https://www.wintrust.com/business-solutions/mid-market/lending/cre.html","summary":"Provides commercial real estate lending for businesses and specialized industries.","description":"Wintrust provides commercial real estate lending for businesses and specialized industries and lists it among its lending solutions for middle-market businesses.","pricing":{},"features":[]},{"name":"Wintrust Wealth Management","anchor":"product-wintrust-wealth-management","type":"Service","url":"https://wintrust.com","summary":"Receive personalized wealth guidance and coordinated financial solutions to help manage, preserve, and grow wealth and plan for the future.","description":"Wintrust Wealth Management provides financial solutions tailored to clients’ needs, including asset management, investment and insurance options, and trust and estate services. Its private client offering brings together fiduciary advisors, strategists, private bankers, planners, trust officers, and financial specialists to guide clients through investment, tax, liquidity, credit, and estate planning matters. Clients receive coordinated support and personalized solutions, without hard minimums or pressure to use proprietary products.","pricing":{},"features":[{"name":"Personalized financial solutions","value":"Get Solutions Tailored To Your Needs","valueDescription":"Receive financial solutions designed around individual, family, or business needs."},{"name":"Integrated advisory team","value":"Coordinate Guidance Through One Team","valueDescription":"Work with a team combining financial expertise, with one contact and coordinated business and personal support for business owners."},{"name":"Financial and estate planning","value":"Plan Your Financial And Estate Matters","valueDescription":"Get guidance on financial planning, trusts, and estate matters."},{"name":"Investment management","value":"Manage Your Investments","valueDescription":"Access investment management and guidance as part of wealth services. Investment products may lose value and are not bank guaranteed or FDIC-insured."},{"name":"Wealth management guidance","value":"Get Guidance Across Financial Priorities","valueDescription":"Receive consultation on investments, tax relief, liquidity, and credit management."},{"name":"Flexible service model","value":"Choose Flexible, Tailored Solutions","valueDescription":"Access solutions designed around your financial picture without hard minimums or pressure to use proprietary products."}]}],"audiences":[],"segments":[],"faq":[],"comparisons":[],"sources":[{"url":"https://wintrust.com","text":"Wintrust"},{"url":"https://www.wintrust.com/personal-solutions/bank-with-us/checking/checking-account-upgrades.html","text":"Checking accounts"},{"url":"https://www.wintrust.com/personal-solutions/bank-with-us/savings/statement-savings-money-market-cd.html","text":"Savings accounts and certificates of deposit"},{"url":"https://www.wintrust.com/personal-solutions/bank-with-us/heloc.html","text":"Home Equity Line of Credit"},{"url":"https://www.wintrust.com/personal-solutions/buy-a-home.html","text":"Wintrust Mortgage Services"},{"url":"https://www.wintrust.com/credit-cards","text":"Personal credit cards"},{"url":"https://www.wintrust.com/personal-solutions/bank-with-us/online-mobile-banking.html","text":"Online and mobile banking"},{"url":"https://www.wintrust.com/business-solutions/mid-market.html","text":"Wintrust Commercial Banking"},{"url":"https://www.wintrust.com/business-solutions/mid-market/banking/wintrust-private-client.html","text":"Wintrust Private Client"},{"url":"https://www.wintrust.com/business-solutions/mid-market/banking/wintrust-at-work.html","text":"Wintrust@Work"},{"url":"https://www.wintrust.com/lp/2023/maxsafe-business-accounts.html","text":"MaxSafe"},{"url":"https://www.wintrust.com/business-solutions/mid-market/banking/treasury-management.html","text":"Treasury Management"},{"url":"https://www.wintrust.com/business-solutions/business/banking/deposit-solutions.html","text":"Business checking accounts"},{"url":"https://www.wintrust.com/business-solutions/business/lending/general-lending.html","text":"Easy Access Term Loan"},{"url":"https://www.wintrust.com/business-solutions/business/lending/sba.html","text":"SBA loans"},{"url":"https://www.wintrust.com/business-solutions/mid-market/lending/asset-based-lending.html","text":"Asset-Based Lending"},{"url":"https://www.wintrust.com/business-solutions/mid-market/lending/equipment-loans-and-leasing.html","text":"Equipment loans and leasing"},{"url":"https://www.wintrust.com/business-solutions/mid-market/lending/insurance-banking-and-premium-finance/agency-lending.html","text":"Insurance Banking"},{"url":"https://www.wintrust.com/business-solutions/mid-market/lending/cre.html","text":"Commercial real estate lending"}]}