Business/Commercial Financing

For Your Business, Large or Small

Whether your business is in need of long term financing or funding for your working capital, we have a loan to meet your needs. 

U.S. Small Business Administration (SBA)

As a small business owner, you play a vital role in our nation’s economy. So it’s important that entrepreneurs like you get the necessary financing. Springs Valley partners with the U.S. Small Business Administration (SBA) —to offer you the financial support that conventional loans can’t.

SBA loan programs are backed by the federal government and provide a more flexible loan structure, more time to repay and lower down payments. There are several SBA business loan options available.

Agricultural Loans

Springs Valley's commitment to farming and rural communities goes back generations. After all, we’ve been here since 1902, providing financial insight and support to farm operators and agriculture related businesses. If you operate in the agricultural industry and need to speak to someone who understands your needs, give us a call today.

Farm Real Estate Loans

Finance purchases, improvements, or refinancing existing debt; Various repayment schedules are available; Competitive and flexible loan to values.

Farm Equipment Loans

Finance new, used, or refinance existing equipment debt; Fixed or variable rate equipment loans; Flexible terms to match your needs.

Farm Operating Loans

Finance all types of farm operating expenses; Online banking allows easy access to funds; Prime - indexed loans.

Farm Service Agency (FSA) Guaranteed Loans

The Farm Service Agency's farm loan program offers a number of resources for individuals to obtain financing when their needs do not meet contemporary loan requirements. FSA guaranteed loans are available for annual operating expenses, equipment and livestock purchases, and farm ownership. Our experienced lending professionals will work with you and the local FSA staff to help you obtain the financial resources you desire.

Lines of Credit

With a line of credit, you can access funds whenever you need them up to your available credit limit. Access as little or as much of your credit line as you need, and continue to use it as you repay.

• Access your funds conveniently with check or an online transfer
• Sweep options to automatically sweep funds to and from checking & loan accounts

OVERDRAFT LINE OF CREDIT

With an Overdraft Line of Credit, you'll enjoy an extra layer of protection for your linked checking account, along with speedy access to emergency cash when you need it.

• Set up a revolving line of credit to automatically cover your overdrafts, up to your available credit limit.
• Pay your outstanding balance plus interest on only the amount used.

Leasing Options

Community Bank Leasing options to fit your needs and meet your goals! Leasing through your local bank comes with real advantages. We know you, and we know your business.

We have an established, trusted relationship, and we understand your objectives. Unlike traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. Coordinating all your banking and equipment financing activity with one bank is convenient, saving you time. Talk with a commercial lender today to find out how we can meet your leasing needs.

• 100% financing available - no down payment required
• New or used equipment
• Variable payment for seasonal customers
• Fixed rate for the lease term
• Most leases can be structured to meet tax objectives

Ag Lease Accordion Feature

Only from your community bank — Ag producers have an accordion feature in each lease allowing them to increase or decrease their payment during the lease term depending on need for tax shelter.

Commonly Leased Equipment

Loan Disclaimer: Loans for qualified applicants only. View Consumer loan rates online and for all other current rates, call one of our Loan Officers. Consult your tax advisor regarding tax deductibility. Certain closing costs may apply.