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.