Tailored Lending Services

We offer a complete menu of business loan products that can be specifically tailored to meet the cash flow needs of your business.

Loans Include:

  • Revolving Lines of Credit: Typically used for meeting short-term working capital needs such as financing receivables and inventory – formal accounts receivable financing is also available
  • Term Loans: Longer term loans (up to 5 years) for equipment purchases, permanent working capital needs or leasehold improvements
  • Real Estate Loans: To finance the acquisition, development, and construction of commercial property – permanent financing for these projects is also available
  • MasterCard® or Visa® Business Card: Get the convenience and benefits of the world’s most widely accepted business cards

Loan Considerations:

  • Pricing of commercial loans is based on both current market conditions and the overall relationship we have with our clients. Our goal is to consider all deposit accounts and other credits when proposing a pricing structure.
  • Underwriting standards, including loan-to-value ratios, advance rates and debt service requirements may change as economic conditions change, so please contact your Business Banking Officer for details.

Agricultural Loans

As an agricultural lender for over 150 years, we understand your needs. We’ve served generations of farmers and ranchers, and offer innovative, flexible ag loan programs with a simple, straight-forward application process.

Agricultural Financing Includes:

  • Crop and Dairy Production Loans
  • Operating Lines of Credit
  • Term Loans for Purchasing Equipment
  • Property Improvement and Development Loans
  • Long Term Agricultural Real Estate Loans

Key Considerations:

  • We take great pride in customizing our credit products around our customers’ needs. Talk to us and let us see how we can help you achieve your goals.
  • We support agricultural activities at the high school level by participating in FFA and 4H loan programs that encourage young farmers.

Small Business Bankers