Business Loans

Our loan officers work closely with you to provide lines of credit, term loans and commercial mortgages, all with competitive pricing to meet the financial needs of your business. Instead of automated loan approval or credit scoring, we learn firsthand about you and your company, and customize loans to your company's needs. Loan decisions are made by our experienced lenders who reside in the community and understand the local and national economy.

Lines of Credit

Lines of credit provide funds to finance accounts receivable, inventory, and other short-term borrowing needs of your business. Farmers State Bank offers a flexible repayment plan based on the business cash flow, and lines can be easily accessed to borrow or repay.

Term Loans

Term loans can be used to purchase machinery, equipment and other long-term assets for your business. Interest can be fixed or floating and the repayment plan can be fixed monthly or quarterly based on the item financed and the cash flow of the business.

Commercial Mortgages

Commercial mortgages can be used for the purchase, renovation, or addition to property used for commercial, retail, industrial, or multi-family purposes. Interest can be fixed or floating with monthly payments amortized for periods up to 20 years.

Agricultural Loans

Farmers State Bank has been lending to farmers for over 100 years. Our lenders can provide flexible agricultural operating lines of credit for crops, livestock, farm equipment loans and real estate loans to meet most every need.