Business Loans

Fuel your next expansion with local financing that keeps decisions—and dollars—close to home. Whether you operate in Hicksville, Auburn, Edgerton, or Grabill, our team makes it simple to explore financing options and secure the capital you need with personal, local support.

Offerings Lending Team

Agricultural Loans

Season-to-season financing tailored to farmers, with local decisions and flexible terms for land, equipment, and operating costs.

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Commercial Real Estate

Competitive financing to purchase, build, or refinance business property—handled from start to finish by local experts.

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Business Lines of Credit

On-demand working capital you can conveniently draw, repay, and draw again whenever cash-flow suddenly needs change.

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Term Loans

Fixed-payment funding for equipment, vehicles, or projects, structured to match repayment with the life of the asset.

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FSA Loans

FSA Loans help beginning farmers access affordable financing for land purchases, startup costs, or expanding family-owned farm operations.

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Agricultural Loans

Grow your operation with financing designed specifically for farmers and ag-businesses. Our ag-lending team lives the cycles of planting and harvest, offering flexible options that fit everything from input costs to land purchases—plus the personal guidance and local decisions your operation needs.

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Benefits

Operating lines for seed, feed, and seasonal expenses
Term loans for equipment, facilities, and land improvements
Flexible repayment schedules aligned with crop or livestock income
On-site visits and quick, local credit decisions

Commercial Real Estate

Purchase, remodel, or refinance business property with a lender that understands local markets and zoning. Expect competitive rates, adaptive repayment schedules, and underwriting handled by neighbors who know your vision.

Benefits

Flexible terms and structures
In-house approvals for faster closings
Guidance from start to final draw

Business Lines of Credit

Cover inventory purchases, seasonal swings, or unexpected opportunities with revolving credit you can tap whenever cash flow tightens. It’s the go-to option for companies searching “business loans" that still want hometown service.

Benefits

Borrow only what you need, when you need it
Dividend accrues on the outstanding balance, not the limit
Easy online advances and payments

FSA Loans

Government-Backed Agribusiness Loans for Beginning Farmers
‍Starting your farming journey? We offer two government-backed loan options to help beginning farmers secure the financing they need.

Let us guide you through the loan process and help you achieve your farming goals. Contact us today to get started!

Direct Farm Ownership Joint Financing Loan (Participation Loan)

A Joint Financing Loan allows the Farm Service Agency (FSA) to extend capital access to more farmers. With this loan, our team will finance 50 percent of the purchase, and the FSA will finance up to 50 percent of the cost or value of the property being purchased. Our agricultural lender will work closely with you to tailor the best financing solution based on FSA loan limits and guidelines.

Direct Farm Ownership Down Payment Loan

Designed exclusively for eligible beginning farmers, the Down Payment Loan is a unique direct farm ownership program that helps finance the purchase of a family-sized farm. Our team will finance 50 percent of the purchase, the FSA will finance 45 percent, and the applicant must contribute a minimum cash down payment of 5 percent of the farm’s purchase price. Eligibility requirements apply.

Term Loans

Finance equipment, vehicles, or technology with a lump-sum loan and predictable monthly payments. Ideal for businesses looking for fixed costs that protect their bottom line and repayment terms structured around the life of the asset.

Benefits

Competitive fixed or variable rates
Repayment schedules matched to asset life cycle
Automatic payment option from business checking

Agricultural Loans

Commercial Real Estate

Business Lines of Credit

Term Loans

FSA Loans

Agricultural Loans

Commercial Real Estate

Business Lines of Credit

FSA Loans

Term Loans

Home is people. Not a place.Local service is all about you—the customer.

Home is people. Not a place.
Local service is all about you—the customer.