Business Loans

WORKING CAPITAL FINANCING

Our commercial lines of credit are designed to serve businesses that need ongoing working capital financing or short-term cash to fill gaps in their business cycles. An analysis of your business needs and cycles will allow us to provide your business with a made-to-order working capital financing structure. Financing you can count on to keep your cash flowing!

EQUIPMENT FINANCING

We provide funding for a variety of equipment needs. Our equipment financing expertise covers a large array of product and allows us to provide need-driven financing for manufacturing equipment, heavy to light construction equipment, transportation equipment including trucks, trailers and light to medium vehicles, and various other types of equipment. Long term or short term, let us be your source of funding for improved production or efficiencies in processes!

LETTERS OF CREDIT

When the trade demands payment support or a customer requires a guaranty of your business performance, let our experienced lending group provide the insight and support you may need in your line of business. Letters of credit are often a less costly alternative to bonding. When it comes to alternatives to maintain your cash, we stand by you!

COMMERCIAL REAL ESTATE — OWNER OCCUPIED

Expanding, remodeling, or just refinancing your existing business property, we have the expertise and capacity to assist with making your plans a reality. Working closely with you to structure the financing that best meets your specific needs provides our lenders with the same level of pride you feel when your project is completed and occupied!

RETAIL, OFFICE AND WAREHOUSE FINANCING — NON-OWNER OCCUPIED

Do you have plans for meeting demand for space in your developing market area? We have the short and long term financing to meet growing market demands. From construction, to permanent mortgage financing, our experienced lending staff will walk the path beside you until your dreams are reached.  New construction, remodels, expansions or re-purposing an existing building, our lenders have done it all!

APARTMENT AND OTHER RESIDENTIAL RENTAL FINANCING

We have been meeting the market demand for multi-family and residential rental financing for many years and have developed the expertise to provide a win-win scenario for our clients and the community. Without housing solutions our communities struggle to thrive. When the customer’s development plans are teamed with our financing plans, our communities are given the opportunity to prosper. As we said, win-win!

CROP PRODUCTION FINANCING

We are a long-time rural community bank and understand the financing needs of local farmers. Crop production lines are a mainstay of our institution and support a huge portion of the gross domestic product in our local markets. Come in and talk with our experienced lenders to work out a financing plan that is tailored to your needs and builds your share of the local gross domestic product in the process!

EQUIPMENT FINANCING

Structured to meet your cash flow, our long term financing helps meet your current needs or your plans for production expansion. Red, Green, Blue, Yellow and Orange – pick your color and we will match up the financing!

FARMLAND FINANCING

The opportunity for purchasing that acreage just adjacent to your existing farmland does not occur every day. Fortunately, our lending specialists are well-versed in getting the deal done and providing support for local family farms. Farmland is not a commodity available to everyone, but it is the backbone of our rural communities and the key to our shared prosperity.

MUNICIPAL AND COMMUNITY DEVELOPMENT FINANCING

Contact our senior lenders and discover the edge we have in financing for municipal needs and local community development projects. From highway department heavy equipment to a community water/sewer project, our lending specialists have the knowledge to serve our communities’ needs. Community development, and the jobs and opportunity created, is what helps keep our kids in town and the grandkids nearby.