Operating Line of Credit: Gives you access to operating funds as you need them and allows you the flexibility to repay these funds as you collect your receivables. Advance requests are generally made in person or by telephone.

General Operating Loans: If you don't need an ongoing Line of Credit, short term operating loans can be obtained. We also offer longer term installment loans designed to fit your cashflow and enhance your financial statement.

Business Equipment: We can finance equipment needs, and will work with you to set up a payment plan that will fit your cash flow.

Commercial Trucking Loans: Whether it's buying a tractor or a trailer, we are experienced in commercial trucking loans and will work with you to set up a payment plan that will fit your needs.

Commercial Real Estate Loans: If you are looking at commercial property acquisitions, making improvements on existing commercial property, restructuring old debt, or obtaining working capital for business expansion, a Commercial Real Estate Loan may be what is needed. With approved credit, we may loan up to 80% of the appraised value or up to 80% of the purchase price, whichever is less.

Agricultural Real Estate Loans: If you are looking at agricultural property acquisitions, making improvements on existing property, or restructuring old debt, an Agricultural Real Estate Loan may be what is needed. With approved credit, we may loan up to 65% of the appraised land value or up to 65% of the purchase price, whichever is less.

Commercial Real Estate Loans: If you are looking at commercial property acquisitions, making improvements on existing commercial property, restructuring old debt, or obtaining working capital for business expansion, a Commercial Real Estate Loan may be what is needed. With approved credit, we may loan up to 80% of the appraised value or up to 80% of the purchase price, whichever is less.

Residential Real Estate Loans: If you are looking at residential property acquisition, home improvements, or debt consolidation, a Residential Real Estate Loan may be what is needed. With approved credit, you may be able to finance through a FHA loan as much as 96.5% of the appraised value or purchase price, whichever is less, with Commercial State Bank. We can also assist you in investigating other options, such as, NIFA loans, 100% USDA Rural Development loans, down payment assistance programs, and long term fixed rate financing in the national market. Contact one of our officers to obtain further information and a Uniform Residential Loan Application.

Construction Loans: If you are looking at building a house, talk to one of our officers about a Construction Loan. A construction loan allows you the flexibility to borrow only what is needed throughout the construction process. We can also assist you in arranging long term financing for when the Construction Loan matures.