Our business loans and lines of credit are designed to support growth, manage cash flow, and help businesses and agricultural operations plan for the future. Whether you need financing for day-to-day operations, equipment and production needs, or real estate purchases and expansion, we offer practical lending solutions backed by local expertise and thoughtful decision-making. With a long-standing commitment to our business and farm communities, we work closely with borrowers to provide financing that fits their goals.
Business Loans and Lines of Credit
Business Loans & Products
Business Loans
Business loans provide flexible financing for inventory, operating expenses, equipment purchases, expansions, and real estate needs. Our lending team works closely with local business owners to understand their operations and long-term goals, offering operating, equipment, and mortgage loans for a wide range of business types. With a long history of supporting entrepreneurs in our community, we focus on partnership and practical solutions that help businesses grow and succeed.
Farm Loans
Farm loans are designed to support the unique needs of agricultural producers throughout Lenawee and Monroe Counties. We offer financing options including operating lines of credit for annual expenses, real estate mortgages for farms and homes, equipment loans, and livestock loans. Our lenders work directly with farmers to review operating plans and production needs, providing thoughtful guidance and financing that reflects the importance of agriculture to our local economy and community.
Mortgage Loans
Commercial and agricultural mortgage loans help businesses and producers purchase, build, or expand property with flexible terms and competitive rates. Financing is available for a variety of property types, including owner-occupied and non-owner-occupied residential properties, commercial buildings, farms, raw land, construction, and development projects, subject to qualification and loan-to-value guidelines. Applications are evaluated based on employment history, income stability, credit history, and property characteristics, with required flood determinations and insurance in accordance with federal regulations. Certain loans may be sold or serviced on the secondary market, and additional approvals may apply to specific structures to ensure responsible lending.
