Joel Mikolich photo

Joel Mikolich, President, Equipment Finance Division

Office: (612) 309-6491 Email: JMikolich@HorizonBank.com

Industry Expertise: Tools & Equipment, Transportation, Industrial & Commercial, Construction

Areas Served:  National

Education: U.S. Army Veteran, Bachelor in Organizational Business Management; Concordia University St. Paul.

Community Involvement: Volunteers to coach youth sports including hockey, baseball, and softball.

Joel Mikolich is a seasoned veteran of the equipment finance industry with 20+ years of experience and a successful track record for leading banks into this strategic line of business.  Throughout his career, Joel has provided innovative financing and developed successful teams that have assisted small and mid-sized companies obtain the funding and capital solutions necessary to fuel their growth.

“I am excited to leverage my industry network and experience to build out a team that shares my passion for providing customer-centric financing solutions that can be supported by the lending capacity of an established financial institution like Horizon Bank,”.

 

Benefits of Equipment Financing

Improved cash flow
No down payments or upfront costs, combined with lower monthly payments, allow your business to preserve capital for other uses. 

100% financing
Finance everything in one transaction with the option to upgrade or add services anytime.

Improved cash forecasting
Prepare accurate forecasts and budgets with predetermined payments and terms.

Increased purchasing power
Acquire additional and/or higher-end equipment due to affordable payments and customizable solutions.

Preserve lines of credit
Equipment financing does not tie up or reduce lines of credit established at your bank or other financial provider.

Tax advantages
Certain financing may be eligible for tax-deductible payments and other tax-relief possibilities.*
  • calculator icon
    Equipment Buy vs Lease

    When you're considering whether to purchase or lease equipment for your business, a calculator can help you evaluate the financial impact of each option. It allows you to compare the costs, including initial costs, monthly payments, interest rates, and tax benefits.

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