Utah Independent Bank

Utah Independent Bank is a locally owned community bank headquartered in Salina, Utah, serving businesses primarily in Sevier and Beaver counties. Its commercial lending lineup covers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — a practical range for small businesses in rural and semi-rural Utah. The bank also offers hard money loans on residential, commercial, and vacant land, which may suit borrowers outside conventional underwriting guidelines. Rates, minimums, and loan amounts aren't publicly listed, so you'll need to reach out directly for qualification details. Note: the bank has publicly warned of fraudulent calls and texts impersonating its Treasury Services department — always verify contact information through the official website before sharing financial details.