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Commercial Loan Products
On The Spot loans (also known as OTS) is a fast and easy way you can apply for a commercial loan. OTS allows you to go from the application process to an approved loan in very little time. The applicant is subject to meet certain criteria. This application can be submitted in any of our branch offices. The benefit to you is speed and convenience.
These are short-term loans used to finance daily business operations. Operating Loan customers access loan funds with drafts that can be used 7 days a week, 24 hours a day. Funds may also be withdrawn online, by phone and by visiting one of our offices. Full-time farmers and part-time farmers with off-farm employment may also use the loan for living expenses, education, unexpected medical expenses, hedging account financing, etc.
These are intermediate term loans used to finance equipment, breeding livestock or other capital items for up to 7 years and specialized facilities/equipment for up to 10 years. They can also be used to restructure a borrower's balance sheet to provide additional permanent liquidity (working capital).
Capital Lines of Credit provide high-quality customers with a revolving line of credit for capital purchases. These purchases may include equipment, breeding livestock, real estate improvements, college expenses, or other capital items. It is similar to a Revolving Operating Loan with the added benefit of being able to amortize the purchases for longer than on operating cycle.
Tools
Use our loan calculator to estimate your
payment amount.
Use our maturity date loan calculator
to select a maturity date for a loan amount and determine the amortization
period in years and months.
You can apply for a loan or check the status of your application online.
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