​Here is how they stack up specifically for Commercial Lending:


​1. First Interstate Bank


  • ​The Specialization: They are a major regional player with a heavy focus on Commercial & Industrial (C&I) loans.




  • ​Best For: Operating lines of credit, equipment financing, and expansion loans. They are very accustomed to “Entity-to-Entity” lending.

  • ​Commercial Contact: Look for their “Business Relationship Managers” at the 19th St. location.



​2. ANB Bank



  • ​The Specialization: Known for local decision-making. While big banks often send your loan application to a central office in another state, ANB’s lenders in Cheyenne have significant authority.




  • ​Best For: Customized loan structures. If your loan from the Trust to the Corp is part of a larger financing strategy, they are excellent at “layering” their debt alongside your internal loans.


​3. First National Bank of Omaha (FNBO)



  • ​The Specialization: They offer large-scale commercial banking tools usually only found at national mega-banks, but with a regional focus.

  • ​Best For: Treasury management and high-volume commercial lending. If your corporation is planning to scale rapidly, their technology and lending capacity are top-tier.



​4. Pinnacle Bank



  • ​The Specialization: Highly focused on Small Business Administration (SBA) loans and relationship-based commercial lending.

  • ​Best For: The “Personal Touch.” If you want a banker who understands the nuances of why you’re using a Wyoming Statutory Trust and won’t get confused by the paperwork, Pinnacle is a strong choice.


​5. UniWyo Credit Union



  • ​The Specialization: They have a dedicated Business Services team that handles commercial real estate and business vehicle/equipment loans.

  • ​Best For: Lower fees and competitive rates. While credit unions were once just for personal banking, UniWyo is a major commercial lender in the Cheyenne market.


​Direct Answer to Your Strategy:


​If you are looking for a bank to “bless” or at least acknowledge your internal loan structure (Trust to Corp), ANB Bank and Pinnacle Bank are often the most flexible with “non-standard” corporate structures.


​One quick tip: When you approach these banks for a commercial loan in addition to your shareholder loan, they will ask for your Balance Sheet. Make sure that “Loan from Trust” is clearly listed as a Liability and not mixed into your “Equity” section, as the bank will want to know exactly who has the first right to the company’s cash.


​Are you looking to get a bank loan on top of the money you are personally lending to the corporation?