Let us introduce you to the many different types of loans
we have for you:
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.
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.
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
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.
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
Competitive rates and terms for financing of equipment
purchases are available.
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.
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.)
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
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
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.
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
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