Family-owned or closely-held businesses.

Primary location within the greater Kansas City  and Northeast Kansas area.

At least 5 years in business - at least 4 of which should be profitable.

Annual revenues of $2.5MM to $75MM.

Borrowing needs generally of $250,000 to $8,000,000.

Relationship based with daily depository activity.

Positive Net Worth with reasonable leverage.

Lending relationships secured with collateral.

Good commercial credit underwriting characteristics.