At The Union Bank Company we provide business solutions built on relationships. We feel it's important for us to get to know your unique business, so that we can become your financial partner in helping your business grow.


Commercial Loans & Lines of Credit
Whether you're just establishing your business, expanding your operation or looking for solutions to keep up with supply and demand - we've got excellent financial resources to take your business further.

Ag Lending & Lines of Credit
With many of our locations being in the heart of farming communities, Ag lending is very important to us. We have a very strong understanding of farm operations, with our CEO, our Chief Lending Officer, and some of staff being involved with farming themselves.

Equipment Loans
Regardless of your business size, we have financing options available to help you with your equipment needs, to ensure your business is running efficiently.

Commercial Real Estate
Whether you're buying your first business or expanding, our experts can help you finance owner-occupied and non-owner occupied commercial properties.


Meet our Commercial Lending Team


Klint Manz
Chief Lending Officer
O: 419-659-2141 x1017 | C: 419-786-9580

 

Klint has over 15 years of banking experience in Northwest Ohio, spending the past few years dedicated to working with clients in all aspects of commercial and agriculture banking. Klint’s past banking experience includes credit, lending, accounting, finance, and asset liability management, which he uses to help his clients make sound business lending decisions. Klint oversees our entire Commercial Lending Division, but still assists customers close to home in Paulding and Defiance. Klint was born and raised in Paulding, and is an alumni of Paulding High School.  Klint received his undergraduate and graduate accounting degrees from The University of Toledo. Klint is now raising his family in Paulding and is a volunteer firefighter while also helping on the family farm.
John P. Miller
Commercial Loan Product & Portfolio Manager
O: 419-659-2141 x6101

 

John has assisted commercial and agricultural client’s needs for more than 38 years. His banking experience includes relationship banking, credit, financing, and managing a bank’s loan portfolio in excess of $600 million. John has served as Union Bank’s SVP/Chief Lending Officer for over 12 years, before entering his current role. John was born and raised in Delphos Ohio and is an alumni of Delphos St. Johns High School. He received his undergraduate degree from The University of Toledo and his MBA from Ashland University. In addition to attending numerous educational classes, John is a graduate from the Graduate School of Banking in Madison Wisconsin. John enjoys golf, is married with three daughters and 8 grandchildren while still residing in Delphos.


Chase H. Doll
Commercial Relationship Officer
O: 419-229-6500 x4718 | C: 419-674-6147

 

Chase has over 10 years of banking and commercial lending experience. He specializes in Investment Real Estate, having personal experience as he owns and helps operate a family real estate investment company. Chase works with business customers in Allen, Hardin, Logan, Auglaize and Putnam counties. He has a Bachelor’s Degree in Business from University of Northwest Ohio. Chase was born and raised in Hardin County, an alumni of Hardin Northern High School. He also sits on the local Hardin County Board of Health. Chase and his wife have two children.


Mark Honigford
Commercial Relationship Officer
O: 419-692-2010 x4810 | C: 419-303-1199

 

Mark has nearly 40 years of banking experience with over half of them assisting local businesses with their lending needs. Earlier in Mark’s banking career he was a branch manager helping customers with consumer and residential loans. With his breadth of knowledge and diverse commercial background, Mark works with business customers of all sizes in Allen, Putnam, Van Wert, Auglaize and Shelby counties. Mark attended Rhodes State College at OSU on the Lima Campus and attended the Graduate School of Banking at the University of Colorado. Mark and his wife have three children and three grandchildren.


Rick Rosado
Commercial Relationship Officer
O: 419-228-2144 x4714

 

Rick has worked with local businesses for their commercial lending needs for nearly 30 years, excelling in Commercial and Investment Real Estate. Aside from his commercial lending experience, Rick is also knowledgeable about credit and cash management. He works with businesses in Allen, Auglaize, Shelby, Logan, Montgomery, Hancock and Warren Counties. Rick raised his family in the Shawnee area of Lima and he works out of our Lima Shawnee location. Rick holds a B.B.A. from the University of Cincinnati, in fact his entire family are either an alumni or current student of the University of Cincinnati. Go Bearcats!


Craig Stechschulte
Commercial Lender
O: 419-532-3366 x4263 | C: 419-230-0288
Craig has nearly 20 years in banking experience, a majority of those years helping business customers with their lending needs. While Craig has a wide breadth of knowledge in the commercial lending realm, he is also very experienced in Ag lending. Craig is a graduate of Kalida High School and holds a Bachelor of Science Degree from the University of Dayton. Craig and his wife have two children. He is an avid golfer and enjoys serving the community.


Jason R. Thornell
Commercial and Agriculture Lender
O: 419-523-2265 x4221

 

Jason has been in banking for almost 25 years, with nearly half of that time working with local businesses and farmers for their lending needs. Jason’s previous bank experience as a Controller and Chief Financial Officer allow him to help his clients make sound financial decisions. Jason serves Putnam and Paulding County. He actually grew up in Paulding County on a family farm, which he continues to help with today. His personal experience with farming is a true asset to his agriculture clients, as he truly understands how they operate. Jason is a graduate of Wayne Trace High School. He holds a BS in Accounting from Defiance College and is also a graduate from the Graduate School of Banking. Jason and his wife have two children.


Paul Walker
Commercial and Agricultural Lender
O: 419353-6088 | C: 419-308-6196


Paul has over 30 years in banking experience, all in some form of lending, with a majority of his experience being in Commercial and Ag Lending. Paul is very community bank driven, because he knows as a community bank lender he can offer his customers the time, attention and customer service they deserve. Paul excels with Commercial Real Estate Lending and Agricultural Lending. He works with business customers in Wood, Lucas, Sandusky and Hancock counties. Paul attended Solon High School and is also a graduate of Bowling Green State University majoring in Finance. Paul is the Treasurer of the Bowling Green Schools Foundation, Inc. and also sits on the Board of Penta Career Center. Paul and his wife have two grown children and a dog.

Daron S. McGuire
Commercial Relationship Officer, Team Lead
O: 740-549-3400 x7649 | C: 614-905-1247

 

Daron has been in banking for more than 30 years, a majority of that time spent helping business customers with their lending needs. What sets Daron apart is that he takes the time necessary to fully understand his customers’ needs, goals and objectives and then working with them to craft specific solutions to those needs. Daron holds a BA in Business Administration from Mount Vernon Nazarene University, an MBA in Business Administration from Ashland University, and is a Certified Treasury Professional. Daron and his wife reside in Lewis Center. They have two adult children, two puppies, love serving at their church and helping others.


Tom Sansone
Eastern Region Market Manager - Commercial Banking
O: 740-549-3400 x7642 | C: 614-571-3593

 

Tom has over 30 years of banking experience, with a majority of that time being in commercial lending. Tom is also a member of credit, loan policy and pricing and asset/liability committees. His involvement with these committees extends his knowledge to all facets of commercial banking, however he does pride himself in his experience with Investment Real Estate and C&I Lending. Tom is committed to providing the highest level of customer service to businesses in Central Ohio. He accomplishes this by being responsive, setting expectations, and delivering solutions on a timely basis. Tom holds a BSBA from The Ohio State University in Accounting and Finance. He also earned his CPA certificate. Tom was born and raised in Columbus, Ohio, an avid fan of OSU sports and Columbus Blue Jackets. Tom enjoys spending time with his family, especially supporting his son in Special Olympics.


Rob Gray
Commercial Relationship Officer
O: 740-549-3400 x7142 | C: 614-581-9754

 

Rob has nearly 30 years in banking experience, over half of those helping business customers with their commercial lending needs. Rob’s banking experience also extends to the retail side of banking. Having an expertise in financing, commercial & industrial lending, as well as SBA lending, Rob is able to provide lending solutions to businesses of all sizes in Franklin, Union, Madison, Marion and Delaware counties. Rob is a graduate of The Ohio State University, majoring in Finance. He is a recreational golfer and enjoys college and professional football.
 
 
Matt Tway
Commercial Relationship Officer
C: 614-580-8408

 

Matt has been in banking for nearly 20 years, working with businesses and individuals in Marion, Delaware, Franklin and Crawford Counties. He is passionate about giving his customers the tools that are needed to help them be successful. Matt holds a Bachelor of Science in Finance from Miami University. He is experience in offering financing to a variety of industries including manufacturing, medical, agricultural, churches, real estate investors and more. Matt is also experience in both SBA 7a and 504 lending. He is very community minded, serving on select boards and volunteering in multiple capacities. Matt and his wife have lived in Marion for 14 years and stay very busy cheering their three children on at various musical, robotics and athletic events. During his free time, Matt loves to cook, travel and ride his recumbent bike.


Dean J. Vande Water
Relationship Manager Commercial Real Estate
O: 740-383-8232 | C: 614-420-6088

 

Dean has been in banking for more than 30 years, working in commercial lending for a majority of that time. Having additional experience in credit administration, business banking and special assets has provided Dean with the ability to help businesses of all sizes with a complete business relationship. Dean specializes in Commercial and Investment Real Estate for businesses in Franklin and surrounding counties. Dean is a graduate of Miami University with a Bachelor of Science in Business with a Major in Finance. Dean has been a lifelong resident of Central Ohio. He and his wife have three children and are actively involved with Olentangy Orange High School through athletics and performing arts.


Daniel Myers
Junior Commercial Lender
O: 614-269-4400 x1006

 

Danny is from Columbus, Ohio and is currently a Junior Commercial Lender in training. He attends the Fisher College of Business at The Ohio State University and is specializing in finance. In July of 2021, he began his banking career through the Junior Lending Program. In this program, he will rotate through Retail, Call Center, Credit, Loan Servicing, Collections and upon completion of the program will become a Junior Commercial Lender. As a Junior Lender he hopes to help people achieve their financial goals and serve the community. He is excited to start his career at The Union Bank Company!


J. Kevin Taylor
Portfolio Manager
O: 740-549-3400 x7637 | C: 614-580-6588


Kevin has been in banking for 36 years, over half of those years helping business clients with their commercial lending needs. Kevin also has experience on the retail side of banking and with residential mortgage lending. Kevin excels on understanding the needs of his business clients so that he is able to provide them with products and services they need to be successful. Most of his commercial experience has revolved around the commercial real estate lending needs of Central Ohio. Kevin holds a BA in Business Administration from Muskingum University. He and his wife have two sons and have lived in Hilliard Ohio for over 25 years. They enjoy all sports and outdoor activities.


Tina M. Fiero
Portfolio Manager
O: 740-549-3400 x7640 | C: 740-334-9558

 

Tina has over 10 years of experience working in commercial lending. Prior to joining The Union Bank Company, Tina was a commercial loan closer for a brokerage firm. Tina's previous involvement and current focus on commercial loan closing ensures that our clients will experience an efficient loan process from start to finish. Tina is an avid golfer and lifelong gardener. She is also a wife of 20 years and a rescue dog mom to a treeing walker coonhound named Buddy.
Walker K. Carr
Agricultural and Commercial Lender
O: 419-659-2141 x4812 | C: 419-566-1059

 

Walker has nearly 10 years in agricultural and commercial lending experience. With an expertise in Agribusiness, Walker helps clients in Richland, Crawford, Huron, Ashland and Seneca counties. Walker is a graduate of Northmor High School and a graduate of The Ohio State University, majoring in Economics. Walker also attended The Bank CEO Network (Commercial Lending) 2017 in Houston Texas.


Roger A. Nedolast
Agricultural and Commercial Lender
O: 419-659-2141 x4812 | C: 419-569-4715


Roger has been in banking for over 40 years, a majority of that time working in commercial and agricultural lending. With an expertise in Agribusiness, Roger helps clients in Richland, Ashland, Huron, Crawford and Seneca counties. Roger hold a Bachelor of Science Degree from The Ohio State University – Finance. He is also attended the Graduate and Post Graduate School of Banking at Colorado. Roger and his wife Amy have five sons.

Business Education

Building a business costs money, usually more than you can generate from your operating revenues alone. Securing the funds you need will require careful planning and preparation.

Whether you're a fully operating business looking to add a new truck to your fleet or to build a new location, or if you're just starting out, you'll need money to turn your plans into reality. It might help to work with an accountant to calculate estimated costs for reaching the next level of development.

The Basics
Before you borrow, list your basic business expenses. Each time you expand your business, these costs are likely to increase.
  • Employee salaries
  • Rent
  • Electricity, heating, air conditioning and fuel
  • Paper and other supplies
  • Purchasing or leasing operating equipment
  • Decorating or remodeling costs
  • Legal and professional fees
  • Insurance
  • Taxes
  • Machinery and power tools

Give Yourself Some Credit
One option to increase your funds is to get a line of credit, which is a type of loan that gives you short-term or seasonal funds.

Basically, a line of credit is very similar to a credit card, with the notable exception that interest on a lone of credit is lower and may be tax deductible. You borrow cash, using your business assets as collateral, and pay back the principal and interest on any outstanding balance each month.

A long-term credit loan usually lasts up to five years, and is helpful if you want to have money for operating costs until your business turns a profit. Lenders typically require that you provide collateral or sign a promissory note on this type of loan and pay it back in installments. Of course, you should always be wary of getting into unnecessary debt or borrowing more than you can afford to pay back.

Do You Qualify?
If you're thinking about taking a loan to build your business, there are several qualifications that banks and investors normally expect from you, as the owner, and your business. Before you apply for a loan, make sure that you can provide potential lenders with the following:
  • Business plan
  • Balance sheet and income statement
  • Cash flow projections
  • Profit and loss reports
  • Personal financial statements for all business partners
  • Credit report
  • Personal income tax returns
  • Information on business debts
A Business Line of Credit provides a business with access to money that can be used for various expenses to assist in the operation of your business.

How It Works
This revolving line works similar to a credit card, in which interest begins to accumulate when funds are drawn. As the balance is paid, it is again available to be borrowed.

Most businesses use their business line of credit for short-term operational expenses like ordering supplies, increasing inventory or payroll.

Business lines of credit are typically unsecured, meaning the business does not have to put up collateral. Many unsecured lines of credit come with a variable interest rate for amounts up to $100,000. For amount over $100,000, you may be required to secure the line with a lien on your assets.

Maintaining good standing on your line of credit may build your business credit rating and better position your business for future financing.
Business owners are facing unprecedented times brought on by the coronavirus pandemic, making businesses ask themselves if getting a business line of credit is a good idea.

Short-Term Expenses
A business line of credit is meant for short-term business expenses that you will repay within months or a few years. Since most credit lines have a variable interest rate, keep in mind that if you miss a payment your interest rate could rise.

The Best Fit For Your Business
When deciding if a business line of credit is right for you, work directly with a business lender. Together you can select the option that fits best for your unique business needs. Most lenders will review your:
  • Ability to repay
  • Credit history
  • Earnings and savings
  • Collateral
  • Purpose of the loan
Business credit scores are a lot like consumer credit scores. The higher the score, the better the chance of securing financing. Higher scores typically mean being charged a lower interest rate on financing as well.

Some agencies that provide business credit scores are Experian, Equifax, FICO and Dun & Bradstreet. Businesses cannot typically access their credit reports for free, however there are some ways to access a free business credit summary through these agencies.

Business credit score factors are:
  • Payment history
  • The amount of credit you're using compared to the amount of credit you have available.
  • Business size
  • Credit mix
Whether you're taking over the family farm or purchasing land to start your own farming operation, thinking about financing can become overwhelming.

Choosing a Lender
Often times when searching for an Ag Lender it's nice to keep rates in mind, but to also find a lending partner that cares about the growth and success of your farm, and that can offer some sound advice along the way.

There are USDA programs and agriculture grants available to farmers that can get you off to a great start as well. Getting involved with the National Young Farmers Coalition can help you stay informed about the alternative funding that may be available to you.

Developing a Farm Business Plan
Just like any other business, a farmer should develop a business plan as well. Your farm business plan should include your business goals, why you think you can achieve them, and a laid out plan for doing so. Think of your business plan as a work in progress, not an end product. You'll want to revisit your plan regularly as your farm grows.

Many business plans will also include an enterprise budget in which you'll project costs and returns for your farm production practice. Creating this budget will help you develop a viable farm business plan. There are many calculator tools available online to help you develop a budget for your particular farming operation.
Leasing equipment can be a great options for businesses that don't have access to unlimited capital or who need equipment that will need to be updated on a regular basis, whereas purchasing equipment is likely better for established businesses that need equipment for a long-term period. Every business is different, so it's always important to weigh the pros and cons before making your decision.

Leasing Pros:
  • Less initial expense.
  • Easier to upgrade, especially if technology is a factor.
Leasing Cons:
  • Higher overall cost.
  • Required to pay for the entire lease period whether you use the equipment or not.

Buying Pros:
  • Gain ownership, thus increasing assets that can be used as collateral for other financing.
  • Tax incentives, consult your tax professional regarding depreciation deductions. 
Buying Cons:
  • Higher initial expense, could require a down payment of about 20%.

Whenever you're thinking of purchasing new equipment, you should first talk with your tax professional and to also reevaluate your business plan. Your business plan should always be a work in progress. So when making big purchases, you need to determine what assets and equipment are absolutely essential to running your business efficiently and effectively.
  • How will this purchase add value to your business in the long term?
  • Will it improve productivities and lead to increase profits?
  • Does current equipment need upgraded in order for you to stay competitive in your market?

Once you determine what equipment is needed, it's time to do you research. There's nothing wrong with comparison shopping to find equipment that will best serve your needs.

Deciding on a time to purchase equipment will likely vary depending on the type of business. If you're operating a seasonal business, you'll likely find cost savings by purchasing your equipment in the off season. Consider searching locally at liquidation sales, estate sales and auctions which may turn up some gently used equipment at a better cost.

Connect with a Commercial Lending Expert.
Our Commercial Lenders are truly relationship bankers, and they are ready to get to know you and your business.


 
SBA Resources.
Small businesses have a variety of SBA and other governmental lending programs available to them, and our SBA Team can help.



Your time is valuable. Through Treasury Management we offer convenient digital business banking options customized for your business needs.