Commitment to C&I Loan Growth at Kearny Bank
12/15/2025 5:02:03 AM
At Kearny Bank, we understand that strong businesses build strong communities. While we've always provided lending solutions to businesses, we are now focusing even more on the expansion of our Commercial & Industrial (C&I) lending. This expansion is designed to help local businesses thrive in today’s competitive marketplace.
Local businesses, especially small to medium-sized enterprises (SMEs), are the backbone of our economy. By expanding our C&I lending capabilities, we aim to help business owners seize opportunities, create jobs, and strengthen communities for years to come.
Tailored Lending Solutions for Every Business
From working capital lines to equipment loans, we provide customized credit solutions to meet the unique needs of each business. Every business is different, and so it should be understood by its bank. At Kearny, we believe every business deserves a personalized approach, which is why we ensure you are paired with a dedicated commercial banker who understands your challenges and aspirations.
Your passion for your business deserves more than a generic approach to lending. It’s worth a one-on-one conversation with a real banker who will take the time to understand your specific situation. We ask the important questions:
- What are your obstacles?
- What success stories can we build upon?
- What do you need to take the next step toward expansion and profitability?
Streamlined Lending Process for Business Owners
We know that running a business means focusing on day-to-day operations and growth, not getting bogged down in paperwork. That’s why we are streamlining our lending processes to make it easier for business owners like you to access the funds you need, without compromising your financial security.
Why Borrow Now?
Current market trends indicate a more favorable lending environment, and we are positioning ourselves to support your business during this positive shift. Here’s why we are confident in the future of C&I loan growth:
- Positive Lending Atmosphere: Community banks are loosening some lending criteria due to competitive pressures, which makes now an ideal time for businesses to seek financing.
- Increased Loan Demand: Loan demand across industries is expected to rise, and we are excited to serve the small to medium-sized businesses that are driving this growth in our local markets.
- Favorable Loan Terms: The recent Federal Reserve rate cuts have made the spread of loan rates over the cost of funds more favorable, meaning we can offer better loan terms for businesses.
A Promising Future for C&I Loans
Improving economic conditions continue to drive positive growth in the C&I lending sector. At Kearny Bank, we are adapting our strategic plan based on industry-specific challenges and broader economic indicators. This positions us to help business owners like you expand operations, hire more employees, and grow in new markets to attract more customers.
Next Steps for Your Business
We are eager to hear more about your business’s financing needs. Visit your local branch today to explore how our C&I loan solutions can help take your business to the next level. Contact Kearny Bank to start the conversation!
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Robert Melchionne
Robert Melchionne is SVP, Director of C&I Lending at Kearny Bank, where he leads a team of commercial and industrial lending professionals. Together, they provide commercial credit facilities to privately held businesses in need of debt capital in order to grow and expand their businesses. In a banking career of over 25 years, Robert has experience in providing commercial credit facilities to borrowers with needs such as short-term and long-term working capital, term debt financing for fixed asset expansion, business acquisition, commercial mortgages for real property, and international trade finance services for import and export companies.
Robert earned his bachelor’s degree in business administration/economics from Montclair State University. He also holds an MBA from Caldwell University.
To learn more about Kearny Bank’s C&I Lending capabilities, contact Robert,