Needs for equipment or supply purchases, expansion of inventory, purchasing or expanding a business or refinancing current debt can all be satisfied with a Term Loan or a Real Estate-Secured Loan which is a great option for long-term borrowing.

Working Capital Loans allow you to plan for the future and many times allow you to take advantage of supplier discounts. Working Capital needs can be satisfied with a Farmers & Merchants Line of Credit that allows you to borrow funds at a variable rate, repay the balance and borrow again as needed without the need to reapply.

Projects for commercial or residential Land Acquisition and Site Development can be financed through a variety of funding options.

We can assist you in understanding Government Assisted Loans from the Small Business Administration (SBA). These loans can be partially guaranteed by the government so we are able to lend you funds for a longer period of time with the same collateral. In addition, our commercial lending experts will help you assemble the required application package.

We have considerable experience in Agricultural Lending and know the best options for financing machinery, land, livestock and buildings. Often we recommend government-guaranteed programs through the FSA (Farm Service Agency).

Letters of Credit are available to allow business customers to quickly and efficiently complete business transactions that require insurance bonding or cash collateral guarantees.

Our Lending Dictionary can help you with terminology commonly used in loan applications and with real estate-related contracts.

Please contact us, and one of our financing professionals will call you to discuss your company’s needs.

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