Business Loans

Working Capital Loans
Working capital loans are available to finance short-term credit needs due to accounts receivable and inventory build-up, seasonal factors, etc. Working capital loans are offered on a revolving and non-revolving basis, and the typical term is less than one year.

Agricultural Loans
Agricultural loans are made for the purchase, feeding, and care of livestock. Loans for equipment purchases for farm and ranching operations are also available. Loan terms vary and are based on the purpose of the loan and the collateral pledged.

Equipment Loans
Equipment loans are made for most business purposes including plant equipment, rolling stock, computer hardware and software, etc. Loan terms for equipment are set according to the economic life of the equipment. Generally, they don’t exceed five years.

Floor Plan Loans
Floor plan loans can be advantageous for businesses that carry durable goods inventory such as automobiles, appliances, diesel trucks, boats, recreational vehicles, trailers, heavy equipment, etc. A floor plan loan can assist you in financing big ticket inventory to preserve capital, and to keep an attractive selection of inventory available for your customers.

Commercial Real Estate Loans
Commercial real estate loans are available for businesses that need to purchase or construct a facility for manufacturing, retail, warehouse, or office purposes. Interim construction loans and permanent real estate loans with attractive rates and terms are available.

Residential Construction Loans
Construction loans are available for the purpose of building single-family residences. Loan proceeds are funded in stages corresponding to percentage of work completed and construction progress is monitored through site inspections. Since the loan is funded as the project proceeds, the builder borrows funds to cover costs as they are incurred. This assures funds are available to complete the project.

Small Business Loans
Small business loans are available for most business purposes. We work with SBA 7s, Low-Doc, and 504 loan programs.

• Use a home equity loan for a variety of needs
• Your rate will be lower than conventional loans or credit card rates.
• Deduct the interest on a home equity loan*
  *CONSULT YOUR TAX ADVISOR

• Advances by personal check
• Monthly detailed statement
• Confidential, no one knows you're buying on credit but “you” and the “bank”
• Use anywhere checks are accepted
• No need to visit the bank each time loan is needed

Automatic Loan Payment

The worry-free way to pay!

We can automatically deduct your loan payment form your account to make your monthly payment.