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Business Loans

Custom-fit to drive your business further

When it comes to your business, you need a bank with follow-through. That is why we customize each loan to the specific needs of the business — and we don't stop there. Our team will work closely with you throughout the entire relationship to make sure you have everything you need to stay on par with your goals.

We don't just offer business loans, we offer solutions.  Our partnerships with the US Department of Agriculture (USDA), Small Business Administration (SBA) and Bureau of Indian Affairs (BIA) provide access to solution-based lending over a wide variety of channels. Because we're a local bank, all of our loan decisions are made right here, which means you don't have to go through a long approval process because your loans are managed by real people who understand your unique credit needs and your community.

Whether you need a government-guaranteed loan, a business line of credit, a commercial real estate loan, or a standard term loan, we're here to help. Contact one of our lenders today to start the conversation. We'll take it from there.

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Commercial Real Estate Loans

Planning to purchase, build, remodel or refinance? When you need to invest in your location, turn to a truly local bank with flexible financing options.

When it comes to commercial real estate loans, we offer flexibility two ways:

  1. Flexible use: Our commercial real estate loans can be used for the purchase and/or construction of commercial facilities, the improvement of existing space, or for refinancing an existing loan.
  2. Flexible rates: We provide competitive adjustable rates with up to a 30-year amortization and a 10-year maturity.
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Business Lines of Credit

In business, long-term success can come down to short-term flexibility. This is especially true when it comes to cash flow. A line of credit can provide the short-term working capital you need to stay on course.

What is a line of credit? How does a business line of credit work? Good questions. Think of a line of credit (or LOC) as an emergency fund.

Instead of paying interest on a lump sum of money borrowed, with a line of credit you only pay interest on the portion of money you withdraw from your line of credit. This allows you to borrow and repay based on the cycles and needs of your business.

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Government Guaranteed Loans

Small business doesn't mean small vision. So how can we help your business grow? Our government guaranteed loans can be custom fit to a number of business needs.

SBA - 504 and 7a

What is an SBA loan? It's a loan backed by the Small Business Administration, and it can be used by small and larger businesses alike to:

  • Purchase or refinance real estate
  • Acquire a new business
  • Help an existing business grow to the next level

Typically, SBA loans require a smaller down payment and offer longer terms. Whether you are a new or existing company, we will work with you to provide the financing that is best suited to your needs.

Other Government Guaranteed Loans

We also offer the following government-backed business loans:

  • BIA - Bureau of Indian Affairs
  • USDA - US Department of Agriculture 
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Term Loans

Considered the standard business loan, a term loan is a go-to financing tool for many business owners. Finance your long-term assets at attractive rates and terms.

If you are looking to purchase equipment or vehicles, expand your facility, or acquire another business, then a term loan may be what you need.

Your local banker will work with you to set up a loan with the right terms and repayment schedule to take your business to the next level. 

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Business Credit Cards

Find the card that is right for you with these options from our partner, Elan Financial Services*.

Business Credit Card Options


*The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. and American Express. American Express is a federally registered service mark of American Express.

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Meet Our Team of Local Lenders