Lines of Credit:
Primarily for working capital needs or temporary/seasonal cash flow for operating expenses; typically secured by a first security interest in all business assets; usually a one-year term.
To finance long-term working capital needs or the purchase of capital assets such as equipment or business vehicles/vessels; secured by a first security interest in the assets being purchased and/or a first lien on all business assets; generally up to a ten-year term.
Real Estate Loans:
To purchase or refinance existing commercial use or multi-family buildings; construction loans for commercial, multi-family or other non-residential purposes; and development loans secured by raw land; construction and development loans granted up to 24 months and permanent financing granted up to twenty years; all real estate loans secured by a first mortgage.
Agricultural Loan Products:
Operating Loans: Based upon the value of your assets and allows you to borrow, repay and borrow again. Gives you the flexibility of having funds available when the need arises.
Allows for the purchase of machinery and equipment and repaid on a schedule that is based on your credit amount and useful life of the equipment.
Farm Real Estate Loans:
Allows you to purhcase or refinance existing real estate to meet your expansion or development objectives.