Local lenders.  Local Decision Making.  We are pretty proud of the fact that we get to know you and your business.  We believe it is imperative for us to clearly understand your business' goals so that we may work together to achieve them. 

Personal service has been the cornerstone of our business since we opened our doors back in 1870.  A few things have changed since then, but our commitment to the the community and its businesses has remained constant.

We have a loan that will fit your needs, at competitive rates, and with flexible repayment terms to meet your business plan.  Call us today at  (563)263-4221 or apply on-line.   Let us introduce you to the many different types of loans we have for you:

Term Loans

Your business is important to us!  We can provide for intermediate financing for operating capital, inventory purchases, trade discounts, seasonal turns and equipment purchases.  Feel confident in knowing that your Lender will meet with you to learn and understand your business and your goals!  We also can tailor your payment terms to fit your business needs, allowing you greater financial flexibility.

Revolving Line of Credit

Does your business experience seasonal fluctuations? Our Line of Credit offers short-term financing for purchasing inventory, taking advantage of trade discounts and volume purchases, funding bulges in accounts receivable or to meet other short term cash flow needs. 

Sweep Accounts

Designed for larger average-balance lines of credit; funds from the line automatically flow to a deposit account and the excess at the end of day is applied back to the line of credit.

Commercial Real Estate Loans

Are you expanding your current business or starting a new business in Muscatine?  Feel secure in knowing that we can handle all of your financial needs including real estate acquisitions, expansions, or improvements. Be confident that we can help to maximize your return and limit your risk through our experienced Lending staff.

Rental and Investment Real Estate Loans

Do you want to diversify your investment portfolio to include rental property?  We can assist you in the analysis of your potential rental project and then provide financing for single and multi-family dwellings.  You remain in control of your rate risk by selecting from the option of fixed or variable rates.

Leasing

Competitive rates and terms for financing of equipment purchases are available.

Letters of Credit

We offer all types of letters of domestic and international letters of credit, including international letters of credit through major correspondent banking relationships.  When you need to guarantee payment of your purchase of foreign goods or ensure that your business may be paid for your company exports, we will be there for you.

Loan Programs

Small Business Administration Loans (SBA).  The SBA is a federal government agency designated to assist small businesses to start up and continue in business by guaranteeing a percentage of a bank loan to a borrower.  We are very proud of the number of small businesses that we are able to assist through the SBA program.  For more information about the SBA, please visit their web site at www.sba.gov.  (Please note you will be leaving our site.)

Agricultural Loans

Our experienced lenders will sit down with you, either here at the Bank, at your kitchen table, or in your field to evaluate your needs or opportunities and determine the best financial solutions.  

Agricultural Term Loans

Reduce the stress of having to meet fixed monthly payments by allowing us to tailor your payments to match your seasonal income.  We can provide intermediate and short-term financing (based on collateral and purpose) for funding machinery and equipment, breeding and non-breeding livestock, facility improvements, and crop inputs.

Agricultural Short Term Loans

Do you need some immediate cash flow for the upcoming planting season or machinery repairs?  Rest assured that you are dealing with a lender who understands your operation!  We can provide you with a short-term production operating loan.

Agricultural Revolving Lines of Credit

Be in control of your farming operation's marketing cycle!  A revolving line of credit enables you to adjust your advances and repayments to your farming operation.  Once your line is in place, you can begin to draw on it simply by calling us to transfer funds to your checking account.  It's easy!  As you pay off your credit line, that money becomes available for you to borrow again during the length of the loan.

Agricultural Real Estate Loans

Whether you are expanding your farm real estate or want to refinance, feel comfortable that your Lender understands your farming operation. We will help reduce your payment stress by tailoring your loans to fit your specific operation.

This is a highlight of the many services available.  We would be happy to provide specific information regarding these products or any additional business or personal services offered.  Please call 563-263-4221.