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Business Loans

Commercial Real Estate Loans

Whether it’s a new HQ, or just a bigger parking lot, our lenders are there to help you see it through.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit your business's unique needs
  • Lending professionals with working knowledge of the local real estate market
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Auto Insurance.

Business Term Loans

We know that when you need funding, you need it now. That’s why we handle all decision-making and processing locally.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for a wide range of everyday business needs or upcoming goals:
    • Working capital
    • Equipment
    • Machinery
    • Inventory
    • Facility improvements
    • And more
  • Repayment terms customized to fit your business's unique needs
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Commercial Insurance.

Agriculture Loans

A lot goes into running a farm... including money. Turn to our lenders when you need fast financing.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for a wide range of agribusiness-related needs:
    • Working capital
    • Equipment
    • Livestock
    • Inventory
    • Vehicles
    • Real estate
    • And more
  • Repayment terms customized to fit your operation's unique needs
  • Lenders experienced in local agricultural standards
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Farm Insurance.

Farm Machinery Loans

Is your aging machinery holding you back? Get up to speed with a much-needed farm machinery loan.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for new or used farm equipment
  • Repayment terms customized to fit your operation's unique needs
  • Lenders experienced in local agricultural standards
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition and equipment obsolescence
  • Avoid lapsed periods in production
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Farm Insurance.

Leasing Program

Leasing through us comes with real advantages. We know you, and we know your business. We have an established, trusted relationship, and we understand your objectives. We're ready to serve any leasing needs you have.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • 100% financing available - no down payment required
  • New or used equipment
  • Variable payment or seasonal customers
  • Fixed rate which will not change during the term of the lease
  • Most leases can be structured to meet tax objectives
  • We offer ag producers an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter
  • Leasing Options:
    • Agriculture
    • Commercial Vehicles
    • Construction
    • Manufacturing
    • Medical and Laboratory
    • Municipal and Schools
    • Restaurant and Hospitality

Lease servicing is provided through our partnership with BB Community Leasing Services, Inc. - Madison, WI